FIFTH THIRD FINANCIAL CORPORATION

2015-12-16

Akron, OH

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-15

Oxford, GA

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: I have a loan for a lot in XXXX Florida with 53 bank for many years. this lot actually belongs to my sister and her family who is making the monthly payment through me.she could n't get a loan back then so I got a loan for them so they can have a small investment before economy down turn. We have been making a payment every month right at due date on the clock all these years. in the past before loan becomes mature I was being contacted and they would renew the loan with no issues. This time I was not contacted prior to loan become mature on XX/XX/XXXX. Then I 've got a call demanding the loan to be paid off in whole including all penalties which it comes to about {$68000.00} I explained this is impossible with such a short time so if there was anyway they can reconsider of refinancing it so my sister 's family has more time to come up with other means of getting loan on their residence and pay off this loan. this has been going on for almost more than 30 days. every time I call they are stating they need more documents and they are working on it. Last commutation was this morning. In the meantime I am getting calls from their collection dept every day sometime few times and I have to explain to different people the same thing and give them an update of their bank 's action. Seems like 53rd bank either do n't communicate with their own departments or they do n't have an access to the same file or perhaps right hand does n't know what the left hand doing, During all this we have been making our monthly regular payment of {$400.00} a month without interruption. These are beside they reported delinquency to my credit file so my credit score from XXXX dropped to XXXX technically we are not late on the loan and still making the payment. I told them we need to sort this out as soon as possible so we can stop the bleeding of destroying my credit any further and start cleaning it up but still no action. I am getting calls from other creditor due to low credit and they are cutting my line of credit as a result. In the meantime I was told by their collection dept that 53 bank getting ready to shot sale the lot which is totally wrong specially when I worked so hard to get the loan extended and hold off is from their side, not my side. XXXX XXXX is my only hope to get my voice to the proper authority for help to fix this problem and help getting my credit back for this unfair act of 53 bank. Furthermore I have most of the communication that was done via email which I can supply upon request. Also I would request to check my credit history and see if there was ANY late or delinquency for past 22 years and since I moved to XXXX I 've heard Consumer Protection helped so many people to get them back on track and I am hoping to such a result in this case. Thank you for your time and help in advance.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

TN

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX XXXX i went into XXXX on to use my ATM i withdrew XXXX the XXXX was coming out crooked when i reached to grab the side that was coming out the most the door shut causing half of the other XXXX to get stuck so i was left with a half of the XXXX in my hand upset. so i transferred XXXX from my saving to my checking thinking if i did another transaction my other half would come out with the new XXXX well that did n't happen .i asked the cashier what i need to do she advised me that she does not own the atm. so i went to my car to call the bank they understood what happened and credited the XXXX back to my account which i was very thankful for that. so in the meantime i had no use for the broken XXXX so i discarded it. On XXXX the XXXX i notice that it was XXXX dollars missing from my account. i received a letter some days afterwards saying that the ATM was found to be balanced and they are taking XXXX back out my account on XXXX/XXXX/XXXX and the determination is final it also stated that i can call them if i had any questions or if i wish to receive copies of the documents used for the investigation of the dispute. so i gave them a call and they stated that they can not provide me a copy of the information used it was just some papers that they filled out and that their ATM is not owned by Fifth Third it is owned by another company. with that being said i walked them thew what happened that day asked did they review the cameras on the ATM did they look into my account and seen the withdrawal or even the transfer that i made at the same time they told me whatever the person did to determine that the ATM was balanced is what we go by once again i told them that this really did happen to me i asked did they find the other half of the XXXX they stated that they did not know. after going back and forth with this person i decided to call my local branch and i was told that the regional manager has to get back with me after calling and the branch saying that we have been emailing him to call you this went on for a month straight i called everyday finally a regional manager that was in the office and i was transferred to him and he basically said they can not do anything about it they have to go by what the ATM says and if everyone called in and said that that happened to them they would no longer be a bank it will be like giving out free money. he then asked me where is the other half of the XXXX that he can see if a serial number matches up i told him that i no longer have it because when i called in about it that day they credited the money to my account he said well you should of just came in the branch well at that time the branch was closed and i really needed my money to eat. o that was the end of that because he just kept saying that it is nothing that they can do and will not credit the money back to my account. i have been with this bank since XXXX and the way I was treated when i had this issues is very disappointing because this issue really did happen and at the end of the day I got nowhere and I 'm still without XXXX in my account .Trust is a big thing with me and it makes me not want to trust ATMs anymore because I do n't want to go threw this every again and to know that my personal bank does n't care about what happen makes me even sadder
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-14

Douglas, MI

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-12

Rockwell, NC

Billing statement

Credit card:

Complaint: I have a credit card with Fifth Third bank. On XXXX/XXXX/2015 I was billed XXXX for next years annual fee. I received the bill on XXXX/XXXX/2015 and called the customer service line at XXXX and told them that I wanted to cancelled card as I did not want to pay a XXXX annual fee for a credit card. They closed the account but are refusing to reverse the unauthorized annual fee.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-11

Hampton, VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Cincinnati, OH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-11

Algonquin, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Lena, OH

APR or interest rate

Credit card:

Complaint: On XXXX XXXX, 2015 I contacted XXXX XXXX XXXX XXXX to pay off my vehicle. I paid using a Fifth Third Bank credit card. The total due to pay off my car loan was {$7400.00}. I went ahead with the transaction. This was considered a point of sale purchase. On XXXX/XXXX/2015 when the transaction posted for {$7400.00} to my Fifth Third Bank credit card, i noticed there was a cash advance fee for {$290.00}, I immediately called the bank and of course immediately i get a bunch of runaround. However this was not a cash advance and I will not pay 24.99 % when i already was paying that to XXXX XXXX XXXX prior to paying of the loan. So what did i gain by paying off the loan to get the same interest rate as XXXX XXXX. I contacted XXXX XXXX on XXXX/XXXX/2015 and they advised me that they did not process this card as cash or a cash advance, and that Fifth Third Bank back end processing converted it to a cash advance. I disagree with what has happened and i expect a serious resolution or my next step is to see an attorney.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-10

Cooper City, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-10

Stewart, AL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Bartlett, TN

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Chicago, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-09

Lorain, OH

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Sandy Hook, CT

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Wonder Lake, IL

Fraud or scam

Money transfers: Domestic (US) money transfer

Complaint: It all started with buying a condo. It 's my first property purchase ever ; I knew I needed proper guidance and explanation, which I made clear to XXXX XXXX, my closing attorney, who was referred by my realtor. XXXX and I only had one phone conversation, the rest of the communication was done via email. I eventually received an email from him XXXX/XXXX/15 asking me when I will have my closing funds available for wiring. We replied back and forth via email and he eventually replied with a detailed email with attached wiring instructions and asked I get it done by Friday, XXXX/XXXX/15. He confirmed the wiring amount should be {$35000.00}. I did as he requested. Closing was scheduled for XXXX/XXXX/15. The realtor was the one who directed me to the closing immediately after our final walkthrough of the unit ; I had n't heard from XXXX. At the closing, XXXX explained the document figures then awaited the closing funds. Confused and astonished, I told him I followed his orders and had his email and wiring instructions handy to prove it to him. He read the documents and claimed he never sent such email. He eventually came to the conclusion his email had been hacked. Needless to say, I was shocked, frustrated and in disbelief, to say the least. I immediately ran to my bank to inquire and investigate but all my bank could tell me is the funds were no longer available and a wire reversal was therefore not possible. I asked XXXX whether his insurance would cover such a fraud, but he claimed they would n't since he did nothing wrong. All XXXX did is make clear his only interest was completing the closing procedure and did not show any concern for my tremendous loss ; he even had the indecency to call me while I was franticly at my bank, to ask whether I had other funds I could use to close. Closing never took place this day. XXXX eventually finally called me XXXX days later asking me how I plan to proceed. I made it clear to him I was very disappointed about the outcome and stressed this fraud issue is beyond my control. I insisted I trusted all communication coming from his email so therefore had no reason to be suspicious but he insisted he is not liable for anything. Once I mentioned I 'd then have to seek legal assistance in this matter, he stated I was creating an adversarial situation and then made it clear he and I can no longer communicate. XXXX or not XXXX is guilty of this fraud, it 's hard for me to believe he has no liability in this matter whatsoever. Not once did he have verbal communication with me to confirm complete, safe preparation for closing. Since he claimed he did not send this email, I inquired as to what he DID send, otherwise I would not have known how to be prepared for closing. He claimed he sent an email XXXX/XXXX/15 ( the day right before XXXX ; closing was the immediate Monday after ) that stated specifics on what to bring to closing ; I never received this email. Upon wanting to see proof of this email, he was only able to send a PDF copy of it, claiming he deletes proof of sent, but prints them instead. This alone makes no sense. To top it all off, my email address on this particular email was ALL OF A SUDDEN incorrect. So, even if he DID send it like he claims, I would n't have received it anyway, and even if WERE accurately sent, it would 've been too late. This is unacceptable. I 'm out {$35000.00} and am desperately trying to recover these hard-earned funds. I 've filed a police report and hired an attorney but honestly feel the CFPB should be involved in this as well. There should be a serious warning to all homebuyers to ensure this does not happen again. Upon searching online, I see this scam has been going on for years ; with that said, I would think banks, realtors and closing attorneys would be precautious. This could 've easily been prevented. Please help recover my hard-earned funds.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-08

Knoxville, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: A divorce decree dated XXXX/XXXX/13 awarded my ex-wife, XXXX XXXX XXXX, ownership of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Per the terms of the decree, she was required to refinance our jointly held mortgage with Fifth Third Bank, in her own name, within six months. She has refused to satisfy this obligation and has caused severe damage to my credit report since that time. Both my attorney and I have contacted XXXX XXXX in regards to this matter on multiple occasions. I have disputed this account with all XXXX credit bureaus. I have also contacted Fifth Third Bank in an attempt to be released from liability for this mortgage. All attempts to remove my name from this debt, and remove this debt from my credit report have been denied. It is my understanding that XXXX XXXX is unable to secure financing in her own name. Be that as it may, I should not continue to receive derogatory marks on my credit report due to her payment delinquency.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Kansas City, MO

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I called 5th 3rd bank to see if I was included in the Auto Lending Enforcement. I was told that this is only for the state of Ohio and I was n't included in the suit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Palmetto, FL

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-07

Atl, GA

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

FL

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I got a change of address notification in the mail that I did not authorize. It was the same address but a different date that they changed my mothers account without authorization! This account has been closed since XX/XX/2014 however I do have XXXX other accounts with fifth third!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Glenarden, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-05

Oxford, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: In XX/XX/XXXX I filed bankruptcy due to medical bills and loss of income, and during the process I communicated to my attorney that I wanted to keep my car. On XX/XX/XXXX my attorney received a copy of the Reaffirmation Agreement from Fifth Third representative XXXX XXXX. I spoke with my attorney about the form .I signed it and my attorney sent the information to Fifth Third Bank ( see correspondence below from attorney to Fifth Third Bank ). My bankruptcy was discharged in XX/XX/XXXX, and therefore Fifth Third was now allowed to speak with me about the account, and return my calls. Over a 3 to 4 month period I contacted Fifth Third Bank about rearranging my payment as stated in the Reaffirmation Agreement. They were not willing to work with me and over a XXXX to XXXX period I submitted payments late. On XX/XX/XXXX Fifth Third Bank reposed my car in the early morning. There were no calls or communications from them regarding their intent. They had my address and phone number, and could have called me to discuss a payment plan per the Reaffirmation Agreement, and my expectations. Based on the information the attorney sent Fifth Third Bank it is obvious that they violated the bankruptcy laws and rules. It is also obvious that they were careless in dealing with this sensitive issue. I called Fifth Third Bank and complained about the process, and to discuss the Reaffirmation Agreement. I was told by XXXX people at Fifth Third Bank ( XXXX a representative, XXXX the supervisor, and XXXX the Manager ) that they did not receive the signed agreement. They all lied about the Reaffirmation Agreement, it was sent to them. They communicated that my attorney would not return their calls and therefore they left it alone. The attorney provided proof that Fifth Third Bank was sent the signed form. We were not getting anywhere with Fifth Third Bank regarding their error. They were rude and cared less about the hardship they created. On XX/XX/XXXX I went to the bank and paid the car off, and while at the bank I asked the teller if the check would be put on hold. I was told no, and that it would clear that night. Today, XX/XX/XXXX, Fifth Third Bank refuses to release my car stating that we have to wait 5 days for the check to clear, which it cleared on XX/XX/XXXX at XXXX Fifth Third is holding the car because they are trying to correct the error they created, and cover up their violation related to the bankruptcy laws. We were told that they have to follow the bankruptcy rules and laws. This statement confirms that they violated the rules and acted out of greed and malice regarding my car. Please note that I also mailed the signed form to Fifth Third Bank. Fifth Third Bank careless actions have created a hardship related to : - Transportation to and from work ... causing me to be late and putting my job at risk- Creating unsafe situations- Transportation related to my kids ride to and from school- Fees associated with acquiring funds to purchase the car ... high rate loans due to my bankruptcy -- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX ( XXXX ) To : XXXX : Requested information ; XXXX and XXXX XXXX, As requested, please see below a copy of the email correspondences between our office and Fifth Third Bank 's representative, XXXX XXXX XXXX, XXXX. An attorney from our firm had directly forwarded the email sent to us by XXXX XXXX to XXXX, XXXX. Please let me know if you have any further questions or concerns. Thank you. Sincerely, XXXX XXXX at XXXX, XXXX XXXX XXXX, Georgia XXXX. : ( XXXX ) XXXX : ( XXXX ) XXXX : XXXX NOTICE : This email message ( including attachments ) contains information which may be confidential and/or legally privileged. It is intend
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-04

Fairfield, OH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-04

Beaumont, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response