FIFTH THIRD FINANCIAL CORPORATION

2015-04-12

Long Beach, IN

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

Euclid, OH

Taking/threatening an illegal action

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

Sued w/o proper notification of suit
Complaint: XXXX XXXX called my cell phone number ( no authorization was give from them to contact me via my cell phone ) -- they claim there is a pending law suit against me for Fifth Third bank -- -the mini Miranda was not given correctly -- they stated " This is an attempt to collect a debt and any information obtained can be used against me in court '' -- -I advised that I was currently in a bankruptcy -- XXXX -- I gave the women my Attorney 's name and advised to cease all calls. The following 2 days by parents have been receiving calls from them stating they have paper work to serve to me and that I need to contact them. I again called and have information to them and again gave them a cease -- they called my parents again today from a phone number that can not receive incoming calls,.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Atl, GA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Chicago, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Rochester, OH

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Evansville, IN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a mortgage with Fifth Third Bank and I continually have issues with the processing and application of my payments. I have also recently discovered that Fifth Third Bank has misappropriated my property taxes which has created a delinquent balance and has been charging unwarranted fees. Also Fifth Third Bank has been misinforming credit reporting agencies which has damaged my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Chesterfield, MI

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-08

Elyria, OH

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-08

Flor, MO

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-08

MA

Other

Credit card:

Complaint: TodayXX/XX/XXXX, I received in the XXXX mail the attached letter dated " XX/XX/XXXX '' from " Fifth Third Bank '' stating, among other false representations, " Thank you for being a valued Fifth Third Bank Customer. '' However, I am not now, and I have NEVER been, a customer of Fifth Third Bank. I have already informed them of this fact. The letter also states : " Thank you for your recent inquiry regarding the Fifth Third Bank Checking account number XXXX and savings account number XXXX. '' My initial inquiry to this bank last year did not concern anything other than a Master card credit card allegedly issued by Fifth Third Bank which appeared on XXXX of my credit reports ( XXXX of which has since deleted it ). When I complained directly to the bank about this false reporting of a Master card credit card, the bank told me they would investigate. They then responded in XX/XX/XXXX by sending me a package full of fraudulent bank statements and a letter from " XXXX XXXX '' from the " Office of the President '' telling me they do not have my signature on any credit card or other accounts, but, the credit card is mine ( it is not ) and that statements sent are mine ( none were mine ). These false statements concerned XXXX savings accounts ( a " XXXX XXXX '' account and a " XXXX XXXX '' account ), and a " Totally Free '' checking account, none of which were mine and none of which I had ever heard of before. The XX/XX/XXXX letter suggested I contact their " DIspute '' Department. I did not do so, because I felt : I already disputed the credit card, and the result of that was a fake letter and a package full of fraud. In XX/XX/XXXX I complained to CFPB about the fake credit card and these fraudulent statements and fake accounts. The result was that " XXXX XXXX '' from the " Office of the President '' of Fifth Third Bank responded to CFPB, and claimed that now there was a " case number '' for " XXXX savings account and XXXX checking account '' and another " case number '' for the " credit card. '' She did not mention in her XX/XX/XXXX to CFPB the other bogus savings account. Her letter also stated this matter was now going to their " Fraud '' department, and it takes up to " 60 days '' for a response. Because she did not mention the other bogus savings account, I disputed her response to CFPB, because her response raised more issues. Yet, this letter I received today is not from the " Fraud '' Department. Instead, it is dated prior to her XXXX XXXX response, and it is from the " Dispute Resolution Department '' from a person with only a XXXX name, " XXXX. '' What is the origin of this letter? What is the purpose of this letter? To now obstruct any investigation by CFPB into the matter I already reported to CFPB? To falsely claim that I am a customer of Fifth Third Bank when I am not? I feel like this letter has no actual legitimate purpose, and is harassment and an attempt at obstruction of justice into the fake and fraudulent statements already sent to me by " XXXX XXXX '' from the Fifth Third " Office of the President '' in XX/XX/XXXX which I already complained about to CFPB. The purpose of this current letter seems to be to misrepresent material facts and to convince CFPB to close their investigation, even though : no one has responded yet to the fake credit card situation I originally complained about, or the omitted savings account in XXXX XXXX 's XXXX XXXX response to CFPB. Attached is the letter I received today. I also do n't why such a letter would state to any consumer the following : " Be advised that we may need to ask you for additional verifying information to process your request. '' Are they saying to consumers who believe they are victims of identity theft that an affidavit and a police complaint is not enough? Why? I now believe I am not a victim of identity theft, but that Fifth Third officials -- at the request of a 3rd party -- created bogus documents.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-08

Cementville, IN

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-06

Mount Holly, OH

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-06

Fishers, IN

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2015-04-06

Charlotte, NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I do not recognize this account was opened up because of my identity being stolen it needs to be removed asap.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-05

Thompsons Station, TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I started calling Fifth Third Bank at XXXX on XXXX/XXXX/15 I attempted XXXX times to logon to my account and it would not. Hence I attempted to reset my password on the third attempt and it failed. I called the toll free customer service line XXXX XXXX times and XXXX XXXX times but to no avail was I able to reach them. Their customer service center was not to close until XXXX or XXXX. I ended at XXXX because I needed to pay my credit card at least something at {$100.00} until Fifth Third Bank attempted to resolve the financial mismanagement problem. Again XXXX XXXX and his XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are involved in this scam.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-04

Belle Haven, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX XXXX, XX/XX/2015 I sent a letter informing Fifth Third Bank not to process my payments. electronically anymore. This letter was sent certified mail and I had the receipt from where I sent the letter certified mail on XXXX XXXX, XX/XX/2015 My receipt shows that Fifth Third Bank received and signed for the mail on XXXX XXXXXX/XX/2015. In that same letter I enclosed my mortgage payment for the month of XXXX in the amount of {$1700.00}. Fifth Third Bank cashed that check on XX/XX/2015 it cleared my account. On XXXX XXXX, XX/XX/2015, which is more than 3 business days after they received my letter, Fifth Third Bank tried to make an electronic transfer in the amount {$1700.00} which is also an incorrect amount for my mortgage payment. This is clearly a violation of the Electronic Funds Transfer Act 12 CFR 1005.10 ( c ) ( 1 ) Consumer 's Right to Stop Payment. This states that " A consumer may stop payment of preauthorized EFT ( electronic funds transfer ) from the consumer 's account by notifying the financial institution orally or in writing at least 3 business days before the scheduled date of transfer ''. As a result of Fifth Third Bank trying to complete an EFT for an amount to cover my mortgage which had already been paid, I was charged {$30.00} from my bank with who I hold my checking account ( XXXX Bank ) for insufficient funds. Now Fifth Third is calling me and trying to collect additional money as well because the check did not clear. I have called and talked with several representatives who are either refusing to help ( just trying to collect more money XXXX or saying they can not help. I have explained to them that my mortgage payment for XXXX is not due yet and XXXX representative was saying the EFT that they tried to process was for the XXXX payment. I have explained to them I will continue to pay my mortgage monthly but by check and I will no longer use EFT. Fifth Third Bank should also have to reimburse me {$30.00} to make me whole as a result of my insufficient funds charge with XXXX due to them violating Federal Regulation regarding the Electronic Funds Transfer Act. I have copies of the letter mailed, as well as the certified mail receipt PS Form XXXX, Domestic Return Receipt if they need to be provided.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-03

Scottsdale, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-02

Mboro, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-02

Clermont, FL

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-02

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I made a mortgage payment on XXXX XXXX, 2015 in the amount of XXXX. I paid on the XXXX primarily because I was in the process of closing on a refinance and the loan officer did not want me to past the XXXX days. On XXXX XXXX, 2015 I was notified that I failed to make my mortgage payment and was now XXXX days past due. I spoke with a supervisor by the name of XXXX and explained that made a payment, but was told that my payment was XXXX short due to an escrow shortage that they applied to my account effective XXXX XXXX. 2015, so even though they cashed my check they did not apply it and would report my account XXXX days late. I explained that there were issues with escrow, that I had requested statements which I had not received but that most important, I was in the final process of refinancing my loan, WITH THEM, and was told both verbal and written that the escrow issues would no longer be an issue with the new loan and I start over. I was literally scheduled to close in XXXX days, only waiting for final payoff. XXXX XXXX took my payment for XXXX and said she would forward request for credit adjustment. Btw I had received only XXXX notice re escrow, called and asked for previous years escrow accounting because mistakes had been made XXXX made XXXX payments for homeowners ) but never received it. Bottom line, there should never be a reason a person is reported XXXX days late on a mortgage payment for a XXXX escrow shortage. Money that sits in an account and in an amount so insignificant. I will rethink refinancing with this lender but in the meantime, I need my escrow account audited and my XXXX day late to be corrected. At a minimum I have not been adequately informed.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-01

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-01

Naples, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Scottsdale, AZ

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Chestnut Street, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I received a letter from Fifth Third Bank " The curious bank '' that said through an envelope window " ACTION NEEDED : Respond By XXXX XXXX, 2015. '' On the back side of the envelope, it said " Time-Sensitive Materials Enclosed. OPEN IMMEDIATELY. '' This piece of mail was seen by my family members who assumed that this was very important that needed to be dealt with immediately. My family overnighted this mail to me so that I could handle whatever needed to be dealt with " immediately. '' Inside was a " Notification of Pre-approval '' for a platinum card. This type of deceptive advertisement has now cost my family money. To me, this is a clear UDAAP violation in the following ways : ( i ) it has caused a clear financial injury to me as a consumer, ( ii ) the injury was not reasonably avoidable due to the language from Fifth Third Bank and ( iii ) the financial injury I incurred definitely does not outweigh the benefits of having yet another credit card that I do not need.
Company Response: Closed with explanation

Disputed: Yes Timely Response