FIFTH THIRD FINANCIAL CORPORATION
Consumer Complaints
There are over 5922 complaints on file for FIFTH THIRD FINANCIAL CORPORATION. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 17
2019-07-02
Cimarron, CA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with non-monetary relief
2019-07-02
Greece, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with monetary relief
2019-07-01
Columbus, OH
Fraud or scam
Money transfer, virtual currency, or money service: Mobile or digital wallet
Company Response: Closed with explanation
2019-07-01
Grosse Ile, MI
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with XXXX XXXX XXXX . There have been repeated threatening calls and just today on XXXX XXXX, 2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XXXX XXXX, 2019 they will pursue litigation against me.
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting.
The company responsible is XXXX XXXX XXXX with address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX There report is on some, FifthThird Bank-Real Life Rewards with some listed Account Number : XXXX Reference XXXX Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue.
I also do not see this debt reporting on any of my credit reports.
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.
Company Response: Closed with explanation
2019-07-01
Jackson, MS
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Closed with explanation
2019-07-01
Sylvania Township, OH
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Company Response: Closed with explanation
2019-07-01
Scottsdale, AZ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2019-07-01
Etna, OH
Closing an account
Checking or savings account: Other banking product or service
Company closed your account
Company Response: Closed with non-monetary relief
2019-07-01
Chicago, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information is incorrect
Complaint: The Fifth Third Bank, in collaboration with the " XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, have been forwarding and or have distributed fraudulent info, in the data bases, of all national Banking Financial Institutions, in America, in an effort to stop or discontinue me from applying for a new account, savings, checking, or otherwise. The Fifth Third Bank, has alleged that I have several Overdrafts, on my checking account, at acct. no. : XXXX, aba routing no. : XXXX, and other fraudulent usages of the account. Each time I mmake another application at another bank to apply for a Checking, and or Savings Account, the banking representatives state to me that they can not open the account, for the reasons that I owe Fifth Third Bank, {$80.00} Dollars, for a past overdraft! This payment had been delivered to FTB 's Credit Collection Bureau, located in XXXX, Ohio, ( addr. N/A ), I've never had any more than ( 3 ) temporary checks, so there is no possibility that I had any checking acct. overdrafts, which is an excuse to stop me from creating another banking privilege. I insist that Fifth Third Bank, officially correct the fraudulent data info, relayed to the XXXX XXXX XXXX, ( that may be an informal credit bureau correcting agency ), so that I may continue to access new banking privileges, that the Fifth Third Bank, were so insistent on refusing! This is intentional infliction of emotional distress, and I insist that a " CEASE & DESIST ORDER '', be entered against Fifth Third Bank, immediately.
Company Response: Closed with explanation
2019-06-29
Berwyn, IL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-06-29
Cowling, IL
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation
2019-06-28
Covington, GA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-06-28
Itasca, IL
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: I accessed my Fifth Third bank account on XX/XX/2019 at XXXX and noticed my Checking account had been closed as of XX/XX/2019. I did not initiate, authorize, or even receive any notification of my checking account being closed.
Company Response: Closed with explanation
2019-06-27
Cascade, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with non-monetary relief
2019-06-27
Chicago, IL
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I closed and sold my property on XX/XX/16. Fifth Third Bank received the pay off for the amount they disclosed as the payoff amount. This amount included a payment of {$130.00} to the mortgage insurance company and it was also stated on the payoff letter.
On XX/XX/16, Fifth Third Bank made a disbursement for my escrow account of {$270.00}.
They should not have paid out anything from my escrow.
Company Response: Closed with explanation
2019-06-26
Louisville, KY
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-06-26
Chicago, IL
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Company Response: Closed with explanation
2019-06-26
Park City, IL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-06-25
Wonder Lake, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XX/XX/XXXX I had a 5/3 account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XX/XX/XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the 5/3 account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the 5/3 account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.
Company Response: Closed with explanation
2019-06-25
Churchville, PA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation
2019-06-25
Epworth Heights, OH
Closing on a mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-06-25
Lexington, NC
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Complaint: I've had a credit card with Fifth Third for at least 2 or 3 years. I recently received a letter that my credit limit was decreased and the reason was very vague I've never been late on any credit card or ever had any credit card out of 10 different credit card companies to decrease my credit limit for no apparent reason. After speaking to Fifth Third it is my understanding that my credit limit was decreased because my credit score drop 7 points due to the fact that I opened up a new credit card account with XXXX 's XXXX XXXX. This is not acceptable. XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX have never decrease my credit limit
Company Response: Closed with explanation
2019-06-25
Lakewood Village, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-06-24
Brentwood, TN
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: In XX/XX/XXXX, I noticed fraudulent charges totaling approximately {$1000.00} on my 5/3 checking account. I alerted them and instead of closing/freezing the account immediately, they opened a new account, for which I denied a debit card because at the completion of the fraud investigation, I was intending to close all accounts with 5/3. The fraudulent charges were moved to the new account so that when the investigation was complete, they could refund me the roughly {$1000.00}. Their investigation indicated that the charges were in fact fraudulent charges and 5/3 refunded the charges to the new account in XX/XX/XXXX. I noticed that the initial account with the fraudulent charges incurred interest fees totaling {$1.00}. I called the bank and they adjusted the charges, acknowledging that they accrued in error and I would not be responsible for them. In XX/XX/XXXX, I received a notification from my credit monitoring company that my XXXX XXXX had dropped due to derogatory remarks due to a late payment of more than 110+ days. When I opened my credit report, I noticed that the charges were coming from 5/3, and that they had never submitted the proper paperwork to adjust the fees and have the incident removed from my credit report, as it was not a mistake or late payment on my part. I called 5/3 Bank immediately and spoke to the highest person I could get in contact with and was assured that they would submit the paperwork to have the error removed from my credit report immediately. In XX/XX/XXXX, a potential home lender pulled my credit report and enquired about the delinquencies. The errors are still appearing on my credit report. I need these to be removed so that my husband and I may receive the home loan for which we qualify for otherwise. 5/3 Bank has not attempted to remedy this, and I have filed two disputes in XX/XX/XXXX, XXXX with XXXX and one with Fifth Third 's Dispute Department, in addition to filing a dispute orally with the bank. One dispute that was filed n XX/XX/XXXX indicated that there was no error and my credit report would stay as is. I immediately filed an investigation and submitted an 8 page narrative along with bank statements as evidence that the error was made on 5/3 's part.
Company Response: Closed with explanation
2019-06-24
Shirleysburg, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My wife and I bought our house back in XXXX and at the time, our original mortgage company ( XXXX XXXX XXXX ) did not require us to have flood insurance. Our flood certification from XXXX said we were rated as Zone X, but did say the following : * The subject property IS PARTIALLY WITHIN a Special Flood Hazard Area. The existing STRUCTURE, however, is not affected and is not in the floodplain.
In late XXXX, our mortgage was sold to Fifth Third Bank. We received a letter in late XXXX saying that we needed to provide proof of flood insurance because they found our house was in Zone A and if we didn't provide proof of insurance they would purchase a policy on our behalf. I called into customer service and after explaining the situation and saying I had a flood certificate from the original mortgage holder saying I was zone X, they said to email it to them. This company is also one that will never call you back. It is always 15-25 days later I will receive a letter.
So, 20 days later I get a letter saying that the documentation I provided was not sufficient and their vendor found me to be in Zone A. I called back in pretty irritated and after arguing with the rep for 20 minutes, they pretty much said the only way the requirement would be removed is if I provided a LOMA form from FEMA.
I complained enough that the issue got escalated to 5/3 's office of the president. In the meantime, 5/3 purchased a flood policy on my behalf for {$2500.00} a year, which raised my mortgage around {$300.00} a month. After waiting around 40 days, I received a letter saying that after having their vendor recheck everything, they are sticking by their original assessment. They then proceed to tell me that they are requiring the flood insurance since my house might " slide into the flood zone ''. To me this is completely ridiculous. At this point without knowing what else to do, I contact my XXXX XXXX agent who I have my Homeowners insurance through to get a quote on flood insurance. I end up getting a quote back from them for only {$500.00} a year since they found since the house is in Zone X I was able to get a preferred rate from FEMA. My agent even talked to a FEMA rep and this person asked why were getting flood insurance since its not required. The FEMA person even said they would get on a 3 way call with a rep from the bank to try and explain.
I called the office of the president back and re-opened the case. I provided all of this info including the fact the FEMA rep would get on a phone call. 15 days later I get a letter saying they are still sticking by their determination. Around this same time, I also get a letter saying that they can't accept the flood policy I purchased from XXXX XXXX/NFIP since the policy says " Zone X '' and there is a discrepancy since on their side they show Zone A. I called them back and they told me they wouldn't get on a 3 way call since it wouldn't change their mind and plus that department doesn't talk to customers. They said the only way they would reverse their decision was if I provided a LOMA showing I'm not in a flood zone or some other kind of documentation from FEMA saying why they can't provide a flood policy for me showing Zone A instead of X. I was resigned to the fact that for {$500.00} a year, having a flood policy isn't that big of a deal ... but now they aren't even going to let me do that? I am beyond frustrated. I have never dealt with a company like 5/3 Bank. I have also tried to find out who the bank uses for their flood certificate determinations, but they have thus far refused to give me this information.
I think at this point I want to focus on somehow trying to get the bank to accept the cheaper flood policy, or somehow getting a letter from FEMA saying why the policy is zone X. At this point how could I even get a policy showing Zone A when it was determined the policy was based on X? I don't get it.
Any help would be appreciated. I think they are hoping I just drop this and pay for an expensive flood policy, but I want to fight this. They should at least allow me to have the cheaper preferred rate flood policy since even FEMA underwriting stated I was in zone X.
Company Response: Closed with explanation