FIFTH THIRD FINANCIAL CORPORATION

2015-08-12

Alpharetta, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-12

Ft Myers, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-12

Orland Park, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Lansing, MI

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-10

Cincinnati, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-09

Gastonia, NC

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I paid off my equity loan and ask the bank employee to close my account. Also there was an overpayment of {$1000.00}. It happened in XXXX XXXX of 2015. It has passed a month without a refund of the overpayment when I went personal to the bank branch to ask for the refund. XXXX XXXX, the personal banker called the department that handle it and he was told that a check have been sent to my address, but if I have not received it, they will place an stop paymen t in such a check and issue a new one. So far I have not received the check, but continue receiving the bank statement, that mean my account have not been closed as I requested and the overpayment check has not been made. The bank account is # XXXX, Fifth Third Bank, North Carolina
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

Chicago, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-08

Concord, NC

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-08

Brunswick, OH

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Alton, IL

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Lk Buena Vis, FL

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

Lewisburg, TN

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Dayton, OH

Customer service/Customer relations

Other financial service: Check cashing

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-05

Tyrone, NM

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: Fifth Third Bank completed only one of 5 requests for transfer of funds with bogus reason. Charges fees for each transfer & commits the petty fraud of not providing the service, being a not-yet-ready for the Big Leagues of XXXX, where major fraud can be committed with impunity -- -5th Third, still only a junior partner in ruling the corporate criminal state. " This is to notify you that the external transfer request referenced below has been canceled due to service is currently not available for the selected accounts. ''
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am writing on behalf of my real estate client XXXX XXXX. He is currently being reviewed for a Short Sale XXXX originally submitted in XXXX XXXX. The lender and their attorney refuse to continue the Trial Date XXXX XX/XX/2015 XXXX Despite being in receipt of a complete loss mitigation package. Evidenced by the emails attached, the Law Offices XXXX XXXX XXXX has been in active communication with 5th 3rd Bank and their attorneys. Evidence has been provided including copies of emails between the law firm and the attorney of record representing the lender. Despite clear evidence the file has been submitted to the lender XXXX XXXX XXXX, XXXX. of XXXX XXXX, XXXX. refuses to join the defense attorney 's motion to continue the trial ( see attached email XXXX This is a clear violation of the my clients rights and perfect example of dual tracking. The evidence is quite clear a short sale offer is currently being evaluated at the same time the lender is trying to push my client into foreclosure. XXXX XXXX for XXXX XXXX Bank XXXX see attached emails ) has actively been engaged with XXXX XXXX XXXX legal assistant XXXX at the law offices XXXX XXXX XXXX XXXX closing attorney ). I ask you please demand this trial be postponed and the lender uphold their responsibilities to the CFPB and review my client for Short Sale.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Atl, GA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Holly Springs, GA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-04

Chicago, IL

Charged bank acct wrong day or amt

Payday loan:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Waupun, WI

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Cheverly, MD

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit. These inquiries were done without my knowledge, authorization, consent and or signature.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Sanders, KY

Taking/threatening an illegal action

Debt collection: Payday loan

Seized/Attempted to seize property
Complaint: In regard to the EFTA ( Electronic Funds Transfer Act ) and EFT ( Electronic Funds Transfer ) : When I use a payroll advance, the repayment is in the form of an Electronic Funds Transfer. My direct deposit paycheck is immediately taken ( seized ) and applied to my outstanding payroll advance. As explained below, this is in direct violation of the Electronic Funds Transfer Act, Regulation E. My money is taken when I some amount of time to repay it. I could have 30 or 40 days left to pay my advance back to the bank. This often leaves my account at a {$0.00} balance. There are often overdraft fees associated with my account, when I technically have use of the payroll advanced funds for usually 30 to 40 days. I am left with no discretion as to paying back this advance. Fifth Third Bank knows they will get their repayment. This is not just a complaint for myself. This is for all Fifth Third Bank customers stuck in this payroll advance circle. If customers were allowed the entire 45 days, it would assist them in getting out of this situation. I believe these payroll advance products are predatory due to the facts I 've listed above and are not intended to help the customer, but trap them. A violation occurs when your are forced to sign away your legal rights provided by EFTA to obtain a payroll advance. A violation of the Electronic Funds Transfer Act, Regulation E occurs when the bank makes it a condition for an extension of credit that repayment will be by means of preauthorized EFT. This is disallowed except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. See excerpt of the EFTA below. VI. Other RequirementsPreauthorized Transfers-Section 205.10Compulsory use. The financial institution may not make it a condition for an extension of credit that repayment will be by means of preauthorized EFT, except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. ( Section 205.10 ( e ) ( 1 ) ). The financial institution may offer a reduced APR or other cost related incentive for an automatic payment feature as long as the creditor offers other loan programsfor the type of credit involved. ( Staff Commentary 205.10 ( e ) ( 1 ) -1 ).
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-02

Rockford, MI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-01

Sanders, KY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Saturday, XXXX XXXX, 2015 I deposited {$400.00} cash into my checking account at the ATM to find I was - {$570.00}. I began contacting the merchants and I was advised to contact my bank. Monday, XXXX XXXX, I contacted 5/3 Customer Service regarding these charges ( they are not open on the weekend ). I did not make these purchases at XXXX. I then questioned the validity of other charges as I knew something was wrong. Tuesday, XXXX XXXX, I called 5/3 to open a dispute for unauthorized purchases on my checking account. I followed the protocol. My card was canceled and I received a new one on XXXX XXXX, 2015 and was now able to access my account online. The provisional credits had been reversed. I contacted 5/3 ( XXXX ). I was told that these credits were reversed because I was unsure of one transaction, so the investigator concluded that I must have had the card in my possession the entire time and that all of these charges were valid. No sales receipts, were retrieved or requested, no merchants were contacted. I was informed that the case can not be reopened or investigated and that the only option left available to me was to file a police report ( more than a month later ) and submit it to 5/3 Bank. The chances of any decision in my favor however, were very slim. When I asked why I was not informed of the police report initially, I was told because it was not mandatory. If I had been informed, I would have filed a police report. I asked to speak to the investigator but was told they do n't talk to customers and that they do n't have phones. I do n't know if my card was taken out of my purse or home and returned, was a counterfeit card, stolen, related to a security breech, etc. Wednesday, XXXX XXXX, 2015 I received a list of disputed items with no explanation attached and I received a second notice dated XXXX XXXX, 2015 stating that {$230.00} will be debited from my account on the same date of the notice, XXXX XXXX, 2015. To be in compliance with the EFTA ( Electronic Fund Transfer Act ) I must have received notification no later than XXXX XXXX, 2015 these funds would be deducted from my account. The credits for the unauthorized charges were reversed and deducted from my checking account XXXX days prior to receiving any notice. Not only is this not in compliance with the EFTA XXXX day notice prior to the reversal of credits, I received it XXXX days after the funds were taken from my account AND the notice ( attached ) states that the funds were to be deducted the same day of the notice. I have been provided no proof of these unauthorized charges as mandated by the EFTA, Regulation E. The FCBA ( Fair Credit Billing Act ) mandates procedures for disputed items. Included are charges for which you ask for an explanation or written proof of purchase, along with a claimed error or request for clarification. The creditor must explain to you in writing the corrections that will be made to your account. If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. I requested but never received proof of these purchases, no clarification, no receipts, no documents, etc. The Customer Service rep also informed me that no merchants were ever contacted. The FCBA mandates the creditor must acknowledge receipt of your dispute in writing within XXXX days.. The FCBA mandates that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, even if the bill turns out to be correct. The EFTA, Regulation E, requires a summary of a customers potential liability in writing for unauthorized transactions and its policy for resolving unauthorized transactions.
Company Response: Closed with explanation

Disputed: Yes Timely Response