FIFTH THIRD FINANCIAL CORPORATION

2015-04-22

Findlay, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Lorain, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Tuckasegee, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Nashville, TN

False statements or representation

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

Indicated committed crime not paying
Complaint: I am reporting a man named XXXX XXXX. He calls from a disguised number and says he is the " Director of Hardship and Mitigation ''. Later he changed it to " Hardship and Litigation ''. He used to call me and just say he was collecting a debt but he has now changed his tactics with a " professional sounding title. " This man has been harassing me for years, and supposedly he says I owe money to a bank. I called the bank in question and they have no record of it, and are not suing me that they know of. He has called my parents and scared them, and threatened many times that there was a lawsuit, though i have never seen any papers for any lawsuit. He has repeatedly called my place of business, and my cell phone, when he does not have permission to do that.. I told him years ago to stop harassing me and he responded in a hostile manner. This is a false claim because if there really were some sort of lawsuit I would have been served papers. He keeps leaving cryptic messages, including to my parents, indicating I was in some type of danger. It scared them a lot and they called me thinking I was in the hospital or something. He stopped for a while, then started up recently, again insinuating that there was some sort of court case. Since I have actually dealt with other debt collection companies that are reputable, I know that he is phony.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

IL

Other

Credit card:

Complaint: Opened up secured visa account with Fifth Third Bank. I was told only XXXX credit report would be pulled on my credit file. Fifth Third Bank Credit Department as well as XXXX XXXX XXXX, Assistant Vice President, XXXX Manager XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, Illinois XXXX. NMLS # XXXX. Telephone number XXXX. Fax number XXXX XXXXXXXXXXXX, assured me only XXXX credit report would be filed. On XXXX XXXX, 2015 a credit report was pulled, then on XXXX XXXX, 2015 an additional credit report was filed without my authorization or my signature. I contacted Fifth Third Bank, immediately, to have the issue resolved. To this day XXXX credit inquiries still remain on my credit files. I contacted XXXX Credit Bureau, to find out what the procedure was to have Fifth Third Bank, remove the XXXX unauthorized credit inquiry. XXXX XXXX Credit Bureau, stated to me, Fifth Third Bank needed to write a letter stating that XXXX of the credit reports was in error. Of course, Fifth Third Bank, as yet to follow the process and continues to violate my fair credit rights. In addition, I, XXXX XXXX XXXX XXXX have written XXXX - XXXX letters to the attention on XXXX XXXX XXXX, as well as made numerous telephone calls requesting to have the unauthorized credit inquired removed. But, to no avail, I have not had any success in having the unauthorized, unsigned credit inquiry removed. I have been getting nothing but the run around, costly expenses of my time and effort. The unauthorized inquiry cost me XXXX points, costing my credit score damages. Fifth Third Bank is damaging my credit report, by making my credit report appear as if I applied for XXXX different loans, which makes another lender look as if I am shopping for loans and being denied. This is a federal violation, against my fair credit act.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-20

Centerville, OH

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Wonder Lake, IL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: banking promotion is not applied although all conditions met, incorrect information relayed through secured messaging. At times I 'm referred to their internal marketing area? not sure why I need to contact them. Requested escalation and referred that I visit the local branch which is not convenient to visit -I commute for work.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-20

Dublin, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Belleville, MI

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-20

Chesterfield, MI

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-17

MI

Billing disputes

Credit card:

Complaint: I once had a credit card with Fifth Third bank, which was closed bank in XX/XX/XXXX. In XX/XX/XXXX a charge that was stored on an online account automatically tried charging the card for the renewed subscription. Instead of Fifth Third bank declining the transaction they reopened my closed credit card without my permission. Finally, after three months of not contacting me via phone, email, or mail, I received a letter in the mail saying I owed the charge of {$77.00} ( for the service ) and an extra {$100.00} for late fees. After countless hours on the phone with them, they acknowledged my credit card was closed and they reopened it. I offered to pay the initial {$77.00} fee if they would waive the late fee for not informing me, or without reopening it without my permission. They said they would look into the dispute into a better solution. After about another month they sent back a letter saying the dispute was denied and I owed the entire fee. When I called back to ask how it could have been denied, since they reopened a closed account, they said the 120 day period has passed and there is nothing they could do about it. I have since discarded the credit card because I had no use for it after I had closed the account in XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-16

Matthews, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-16

Taft, OH

Rewards

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-16

Addison, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Boulder, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Evansville, IN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have made multiple complaints for the unfair deseptive and abusive acts regarding my mortgage with Fifth Third Bank. The mortgage lender in question has continually charged me unwarrented fees and claims the charges are property taxes. When I logon to the XXXX XXXX XXXX XXXX website my property taxes are {$240.00} on a semi annual bases ; Fifth Third Claims that my property taxes are {$520.00} on a semi annual bases. Fifth Third Bank has caused unavoidable damage in the effect of increasing my mortgage payment by over {$100.00} per month. I need help with this matter I can not afford to pay the money that the lender is demanding. I have yet to get help from UDAAP, FTC or CFPB this is clearly a case of a lender taking advantage of the under informed and leveraging their financial power over a consumer with limited resources.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Chicago, IL

APR or interest rate

Credit card:

Complaint: I have a Fifth Third Bank MasterCard with an annual interest rate of 18.99 %. I use the card regularly, and I always pay off the statement balance before the due date on the XXXX of every month. For the month of XXXX, my statement period started on XXXX XXXX and the statement amount of {$1300.00} was due on XXXX XXXX. I had no other purchases from before, since I had paid off every previous statement balance in full. In order to pay off the XXXX, I was waiting for a {$850.00} check to clear my Fifth Third checking account, which it did on Monday XXXX XXXX. Before the {$850.00} cleared, I sent {$460.00} on XXXX XXXX from my 5/3rd checking via electronic transfer to the credit card. On XXXX XXXX, I sent the other {$850.00}. The bank took out the {$460.00} on XXXX XXXX. Now, when I look at my account, it shows that I paid on XXXX XXXX, even though I sent the {$460.00} on the XXXX and the bank took it out of my account immediately. XXXX, they charged me an interest amount of {$21.00}. I understand I owe interest on the {$850.00} that was a few days late, but they can not explain to me how they came up with the {$21.00}. The rep to whom I spoke thought the 18.99 % was charged monthly and did n't even know to divide it by XXXX for monthly. She got nervous when I asked her specific questions about how they calculate interest. Her explanation was " the computer calculates it that way. '' In summation:1 ) Fifth Third Bank took {$460.00} from my checking at their bank on the XXXX and waited until the XXXX to post it so that I would miss the XXXX XXXX due date2 ) They charged me an an interest amount that they can not explain the calculation behind3 ) All of a sudden my due date for XXXX is the XXXX, even though it has been the XXXX for a few years now. I feel like they are employing tactics that were outlawed for a few years now.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Chandler, AZ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Barnwell, SC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Asheville, NC

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-14

Rochester, OH

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Barboursville, WV

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Chicago, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

OH

Fraud or scam

Money transfers: Domestic (US) money transfer

Company Response: Closed with explanation

Disputed: No Timely Response