FIFTH THIRD FINANCIAL CORPORATION

2015-10-15

North Hills, NC

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Canton, OH

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Foothill Ranch, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-15

Los Indios, TX

Bankruptcy

Credit card:

Complaint: I filed for bankruptcy in XX/XX/XXXX and was granted a discharge of all debts. In XX/XX/XXXX I pulled my XXXX credit report and noticed that Fifth Third bank has listed my account as being Transfer/Sold and as a charge off. I filed a dispute with XXXX and on XX/XX/XXXX XXXX reported that Fifth Third bank verified with them that the account is being reported accurately. On XX/XX/XXXX I contacted Fifth Third ( XXXX ) and spoke with XXXX XXXX who stated that in her system the debt was listed as discharged in Bankruptcy. I was then transferred to XXXX ( Bankrupcty Dept. ) who told me he would look into my concerns. On XX/XX/XXXX, XXXX called me back and said that after consulting with numerous employees in his department they determined that the account was being accurately reported to XXXX and XXXX. Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. '' This practice keeps this bill alive on my credit reports although it was legally eliminated in bankruptcy. Fifth Third has engineered what amounts to a subtle but ruthless debt collection tactic, effectively holding my credit reports hostage, refusing to fix the mistakes unless I pay money for a debts I do not actually owe.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Jacksonville, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Wanted to close my bank account @ XXXX bank. I was told there is a fee for closing account of {$50.00} to close the account plus other service fee. After being on the phone for 2 hours trying to get this resolved, I get the vague answer that within banking guide lines that they have to charge a fee. Got a run around where they have transfered my call XXXX times and the XXXX agent said they could waive the fees. I originally open this account XX/XX/XXXX when it was XXXX bank and now XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Allamuchy Twp, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Holland, MI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Collectors are calling Family Members! This is not our debt, but they are calling us in reference to a family member who does NOT live with us! They are pushy, and we need to hang up on them. I thought it was illegal to contact family member! But these calls are aggravating!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-14

Columbus, OH

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Fifth third Bank appears to be structuring their checking account transactions so as to generate more overdraft fees for themselves. More specifically, it appears as though they 're delaying the posting of transactions, and fees to generate more overdraft fees. I had an insurance payment of {$160.00} on XXXX, which showed as paid on XXXX by the insurance company. Fifth Third did not post this to my account until XXXX. Then, on XXXX before XXXX I made a withdrawal from a non-Fifth Third ATM. They did not deduct this from my available balance until XXXX ( posted on XXXX ). They also delayed tran non XXXX XXXX ATM fee they charged. It seems like they should charge the fee at the point of the withdrawal. The only reason to delay that fee is to misinform the customer on their true available balance ( resulting in overdraft fees XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Carmel, IN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Cincinnati, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-13

Bedford, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Harsens Is, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-13

Philadelphia, PA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-12

Douglas, MI

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-11

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Taft, OH

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Indianapolis, IN

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-09

Taft, OH

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Williamston, MI

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-08

Lexington, KY

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Jacksonville, FL

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Lk Buena Vis, FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I started a mortgage process with the Fifth third bank to buy a house in SHORT SALE. This lender received all my documentation, give me the preaproval letter, good faith estimate, and ordered the home appraisal, charging my credit card. BIG MISTAKE!!!!. it was a short sale.The formal process can not start until the receiving of the approval letter from the seller 's mortgage Bank. - meanwhile the loan should be in a pending status. The ordered appraisal was done 30 days before receiving the approval letter. at this time was expired. So, it was supposed to be redone. When they realize their mistake, never answer my phone calls, or e-mails again. The last communication, 20 days before the closing day was " we have to start the process again ''. Even if I give my authorization to do the home appraisal, it does not mean that this could be done without complying with all legal requirements. I do not have to pay with my money for their unforgivable mistakes. I sent an e-mail, and certified letter to XXXX XXXX, Vice President Area Sales manager ( XXXXXXXXXXXX - XXXX XXXX XXXX ) requesting my money back. He never answer.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-08

Princeton, KY

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: On XXXX the XXXX I deposited {$440.00} cash into the ATM at Fifth Third Bank located XXXX XXXX XXXX XXXX XXXX KY. The ATM failed to finish my transaction and gave me my card back however it did n't give me my money or a reciept. I immediately went into the bank and explained to the manager what happened ... she told me due to me not banking with them and having a XXXX XXXX Bank account they are unable to give me my money that I would need to file a dispute with my bank. I did file the dispute and my bank gave me a provential credit on my account to cover the {$440.00} until they recieved the money from Fifth Third ... On Monday evening XXXX/XXXX/15 I noticed my checking account was overdrawn and when I called my bank they said they had debited my account {$440.00} bc they never recieved a response from Fifth Third Bank and they told me I would have to call the owner of the ATM and try to get a refund. I contacted Fifth Third Bank first thing Tuesday morning and explained the situation. I was told the manager was on vacation and was given an XXXX number to call. Upon calling the XXXX number I was told they ca n't give me any info I am not their customer ... I then called the bank back and explained again I need this money I am a single mother and this is a lot of money ... I kinda felt like I was just blew off when I got the response " I will have to pull all the records for each transaction that day and it 's probably going to take at least a week for us to figure anything out and I will call you if I find something out next week. '' I have tried to call again and no one will speak with me I just get " she 's working on it and will call you back when she figures it out '' I have also called the reginal mananger and left several voice mails that have not been returned. It seems to me that ATM have camera 's and they should have a log of each day 's transactions and end of day balances. I am not understanding why it is taking them so long to look up infomation that should only take hours to find.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-08

Cascade, MI

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response