FIFTH THIRD FINANCIAL CORPORATION

2015-05-07

Fremont, OH

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-06

Dupont, IN

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-05

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Dayton, OH

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Macomb, MI

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Five Points, NC

Money was not available when promised

Money transfers: Domestic (US) money transfer

Complaint: On XXXX/XXXX/15 - I attempted to make a mobile check deposit to XXXX from my account at XXXX XXXX. I received an error message and made XXXX additional attempts. XXXX online app indicated none of the deposits were made because their system was having problems, when in fact, all XXXX checks were deposited, XXXX with the same check # - all totaling {$7000.00} ( a deposit of {$3000.00}, XXXX of {$2000.00} and XXXX more for {$2000.00} ). That afternoon - all checks posted to the XXXX account and I immediately called XXXX the next day. XXXX rep was rude, put me on hold, and then informed me that only XXXX of the {$2000.00} deposits would be reversed and it would take 5-7 days. I received a letter dated XXXX/XXXX/15 from XXXX stating that the account was adjusted in the amount of {$2000.00}. The funds were not returned to XXXX - even though past the 5-7 day mark ( XXXX - XXXX ). I called XXXX on XXXX/XXXX/15 - the rep told me the money was 'in limbo ' and that they discovered the mistake ( Wrong - I called them! ) and that I would need to contact XXXX and give them a case number to retrieve the {$.00} XXXX did nothing in error - this is a XXXX issue, and stemmed from their system having performance problems. So now, not only am I out of the use of my {$2000.00} for the past several days, but I have lost interest on those funds and use of those funds to pay a credit card, so there might be interest charges accruing on the credit card I would have otherwise paid with this {$2000.00}. I want to note I have had repeated problems with XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-03

Taft, OH

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-01

Naples, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Douglasville, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Mill Creek, IN

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-30

Russell, IA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Both my family and myself were contacted by someone who identified themselves as investigators. They did not identify what company they were from and have been contacting us on unknown/restricted numbers. My family contacted me to express their concerns, as they though that the investigators were trying to reach me because of a criminal complaint. We feel that we are being bullied by 5th 3rd Bank and their 3rd party company, XXXX ( sp? ).
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-29

Wesley Chapel, FL

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: I originally submitted a FHA loan application on XXXX 2015 for a mortgage, submitted all paperwork and paid fees including an inspection I was told when the application was in the underwriting process the house I was buying was a flip and FHA would not accept a property that was flip unless it had more than XXXX days I lost the property and the money the bank did n't tell me that requirement until it was about to close. Then I found another property submitted and application they told me it would be faster and while in the underwriting they told me I had to do an addendum to my tax return I did it and submitted it on time, but the underwriting department did n't look at it because they were out of compliance with the XXXX days so they close the case and did n't consider the evidence making me loose more money again. I lost over {$1400.00} dollars on this because of the Banks inability to look at a file within their time frame
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Taft, OH

Billing disputes

Credit card:

Complaint: I have a credit card with 5/3 bank. In a previous complaint, I was declined when I tried to use it in XXXX XXXX. I called 5/3 then ( XX/XX/2014 ), and wrote a letter of complaint also. To which I received a lip service response and not much more from them. Since then, I charged my stepson 's tuition several times-thousands of dollars each time-for his college in XXXX and they went through. My wife was in XXXX XXXX this past weekend and was able to use the XXXX twice before it was declined for suspicious activity. I received an email notification of this on saturday and a phone call to my work number on sunday afternoon-which is not very helpful seeing as I do n't work on Sundays. As my wife was being inconvenienced by the card being declined, I called Fifth Third ( 5/3 ) on Sunday and was put through to the Fraud department ( customer service is not open on Sundays ). After verifying my information, and in discussing the situation, she asked me if anyone had notified 5/3 that they would be traveling in XXXX. I replied that no one had notified 5/3 as I find that to be extremely paternalistic, condescending and unnecessary. I use my XXXX XXXX card all over the world and I have never had them decline the card for 'suspicious activity '. In fact, I use the XXXX card when I tried to use the 5/3 card last XXXX and it went through without a hitch. Additionally, I applied for the card XX/XX/XXXX specifically so I would not have to pay foreign transaction fees when using this card. Within 2 weeks of receiving the card, I went to XXXX and XXXX and charged everything on the card-including dinners in the XXXX-XXXX XXXX range. I did not tell 5/3 I was leaving XXXX and I had not one bit of trouble using the card, nor did my wife ( we are both on the account ). SO, by their own past conduct, we can see that the need to notify 5/3 is patently not needed as they have not always required it in the past and other credit card providers do not require it. Additionally, between XXXX and this past weekend, I charged over {$7000.00} in tuition from my step-son 's college in XXXX. There was NO problem with those transactions, but if my wife tries to buy LUNCH of XXXX at a restaurant in XXXX, the card is declined? Why do n't the same 'suspicious activity ' notifications apply to the tuition charges as to buying lunch? Is 5/3 profiting on the currency exchange and is therefore allowing transactions in multiple thousand dollars be processed, but since there is not enough spread in small dollar denominations, they are denying those transactions on the basis of 'suspicious activity '? And if the card is being declined for 'suspicious activity'-why then were XXXX transactions approved? XXXX of the denied transactions was at " home sense '' which is similar to XXXX XXXX. The other transaction was at " XXXX '' in the approx amount of XXXX. I can see where a criminal would make a LIVING taking 5/3 to cleaners for a XXXX lunch. Oh please!!! Whatever the case may be, as a consumer I find this to be extremely frustrating, not to mention highly embarrassing! When you present a credit card and it gets declined, it makes you look like a deadbeat in the eyes of the merchant-ESPECIALLY when you are traveling XXXX! As my wife and I both have excellent credit, this is certainly not the case, but that does not change the impression vendors get when you present a card that is declined. The capricious application of the 'suspicious activity ' guidelines makes it difficult or impossible to use the card-you ca n't use it if it is frozen each time you try to use it! I find the requirement that I notify 5/3 of my travel plans onerous. As an adult, where and when I travel is my business-the credit card provided is supposed to do just that-provide credit when I present the card-not find ways to avoid having the card be
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-28

Clearwater, FL

Account opening, closing, or management

Bank account or service: Savings account

Complaint: This is an new issueThe bank opened up an account with funds obtained from a previous account. The Bank was mailing statements until recently. The address listed below was used to mail statements without my consent. XXXX Fl XXXXThe statements have stopped being mailed. The bank has made no attempts to contact me concerning this issue. The bank has a policy to stop mailing statements this way when fraud occurs they are not responsible.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-28

Detroit, MI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Fifth Third Mortgage Account XXXX have set up automatic payment from my banking to pay my mortgage each month. In 2014, 5/3 raised my mortgage by {$150.00} and I was made aware until it was too late. I made up the proper payments to bring my account to balance and 5/3 continues to erroneously mark all three credit report. My money would leave my bank account on time, but seemingly never arrive at 5/3 Bank where my mortgage payment is due. In XXXX of 2014, I faxed 5/3 Bank with my 2014 YTD payment history to prove my account was current. I contacted 5/3 and confirmed they received that fax and there would be no more concerns. My payments were not on time but the notices did not stop. I have attempted resolve the problem with 5/3 Bank and my banker XXXX and neither was helpful and this issue still is n't resolved! Because I could get no answers, I stopped making payments after the XXXX payment was paid on XXXX/XXXX/14. Soon 5/3 would claim that I owe over {$1100.00} in missed payments and attempt to DEFAULT my mortgage. After contacting 5/3 Bank, the Customer Service Representative who told me that over {$500.00} was never applied to my account, ( with no explanation given ) that I only owed {$640.00} to bring my account to current status. I made that payment ( confirmation XXXX ) by phone at that time. As I type this complaint, I am still receiving notices that my account is overdue by 30 days, meaning nothing has been resolved. Please ask 5/3 Bank to REMOVE ALL BAD CREDIT REPORTS FROM XXXX XXXX, AND XXXX. Also, I ask that all late fees be applied to principal balance of my account ( please do not send a check ). Because of my frequent travel I am around to await a check in the mail, not am I able to forward the fax mentioned in this complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Euclid, OH

Deposits and withdrawals

Bank account or service: Savings account

Complaint: On XXXX I went on line to check my bank accounts with 5/3 bank and observed an electronic check withdrawal from my savings account that I had not authorized. I immediately called to report the fraudulent activity with customer service and was told to go in person to file a domestic collections package. The same morning I went to the branch and closed all accounts, issued new account numbers and changed passwords, etc. ALso filed a police report. Was advised the process could take XXXX days to resolce. I have dutifully called the bank and receive the same response, the other bank ( XXXX XXXX ) is still investigating. I feel helpless and XXXX days later, still no money. I do not know the person who made the electronic withdrawal nor do I have any affiliation with XXXX XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-28

OH

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had an old account with firth third bank back in XX/XX/XXXX. I paid the overdraft fee at the branch. to date this this information is still showing up in my check systems history. theyare reporting the account as inaccurate. ive given the documentation of payemetn ( XXXX ) separate times. It is still on my report as of today XXXX XXXX. Im extremely furious and I wont them to be geld accountable for this inaccuracy, and remove this information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Spruce Head, ME

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Tampa, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Order of events:1 ) I was notified of Bank Branch closing ; I recognized no other branch was convenient. 2 ) I entered Branch and asked to have my accounts closed immediately ; They stated completed. 3 ) Fast forward to yesterday. Attempted to add my name to newly married wife 's bank account in a different state ; Told by bank that I owed money on old XXXX bank account due to auto pay against the account after my closure of it ... 4 ) I was willing to pay the amount though I should not have to. They say account debt sold to XXXX XXXX. 5 ) XXXX XXXX states 5/3 bank took back debt on XX/XX/2014. 6 ) XXXX Bank says no such debt for me to pay them but refuse to do a document to me stating I owe them nothing. They state it is with XXXX XXXX now and XXXX Bank. 7 ) Called and transferred around XXXX Bank about XXXX times including hangups with XXXX resolution from anyone including supervisors. 8 ) Basically I now have an outstanding debt of $ XXXX to be paid to??? no one but it is a negative on my record that it is impossible for me to resolve. I would like to have this cleared from XXXX XXXX as no one can tell me who I owe this money to. XXXX XXXX swears that I owe them XXXX ....
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-24

OH

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Complaint: I supposedly have a debt with fifth third bank. I recieved a call from a XXXX XXXX with a XXXX saying im being sued for XXXX dollars i never recieved a notice in the mail. I dont even know what its all about. He demanded i get a prepaid card and all kinds of stuff threatening me
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-23

Cleveland, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-23

Colts Neck, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Ashland, KY

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: you can not get your statements on line of what you have paid whom
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Omaha, NE

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have a car loan through Fifth Third Bank in XXXX, OH. I cancelled my insurance through XXXX XXXX and started using XXXX in XXXX of 2014. They did not receive the change and started adding insurance to my loan. they claim that they were sending letters but I never received them. This month they placed a repossesion order on my car for non payment of over XXXX dollars. This was when I became aware of the insurance added. I sent them the documents showing no lapse in insurance and their insurance department said a full refund had been submitted. This was on XXXX XXXX. He said it could take 7-10 days to hit collections. I then called collections to see if they could talk to the insurance department and get the repossesion order stopped because I am approved for full refund, and all they kept saying was make a payment to stop it and refused to talk to the insurance department. They refused to transfer me to the insurance department, the just continued to badger me to make a payment for something their insurance deparment had approved for refund. It has now been 7 days since the approval and the repossesion order is still out for something I do not owe.
Company Response: Closed with explanation

Disputed: No Timely Response