FIFTH THIRD FINANCIAL CORPORATION

2019-06-17

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-06-17

San Buenaventura, CA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-06-17

Gary, IN

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-17

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with non-monetary relief

Timely Response

2019-06-17

Gastonia, NC

Problem with a credit reporting company's investigation into an existing problem

Mortgage: Conventional home mortgage

Complaint: For close to three years, I have paid my mortgage payment on time using the online bill pay system. In XX/XX/2019, I logged in to pay my bill as I always do and submitted my payment. However, in XX/XX/2019, when I logged in to submit my XXXX payment, I saw a notification alerting me that I was over 30 days past due on my XXXX payment. I immediately paid both, but the XXXX payment had slipped past the 30 day mark by a hair. Fifth Third bank has never provided me email notifications when a payment is late, when a payment is submitted or when a payment is received. Furthermore, I didnt receive any other communication alerting me that I was past due ( no phone call, no letter ). These are basic services a large bank such as Fifth Third should provide, and yet they don't. This late payment was reported to all three credit bureaus and has lowered by credit score significantly. I submitted a dispute directly to Fifth Third, pointing out that their online bill payment system didn't process my payment, nor did I receive any communication and asked them to remove the late payment from my credit reports. I received a form letter today, denying my request. At no point during the dispute period did I receive a phone call, an email or any communication acknowledging they received the dispute, or any communication on the status of it. Nor did they make any attempt to gather any additional information. I had to go into a branch and beg for a local manager to help. He tried but was also left in the dark. The onus should be on the bank to show some form of evidence that their banking system ( and subsequent communications to me ) DID NOT fail. As an XXXX professional with over 15 years experience in e-commerce systems, I am keenly aware that websites do not perform at 100 % at all times. Packets drop, requests get backed up in message queues or get lost, and transactions fail. Show me proof that I never logged into my account in XXXX. Show me proof that you sent an email that bounced back, or a letter that was returned to sender. Instead, they have responded with a form letter stating my " account is being reported accurately. '' This is beyond poor customer service. This is a failure of the core communication and notification services they should be providing ( and claim to provide ) to their customers.
Company Response: Closed with explanation

Timely Response

2019-06-17

Beach, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-17

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with monetary relief

Timely Response

2019-06-17

Lk Buena Vis, FL

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Complaint: XXXX XXXX XXXX XXXX XXXX contacted my mother and discussed that I will be going to jail if I don't contact their company within so many days. I feel my rights was violated this company had no right contacting my mom discussing any of my business with her. My mother was extremely upset and was sure if she needed to go to emergency room. My mother is XXXX years old and was very concerned about this call. I spoke with a Mr. XXXX XXXX and a Ms. XXXX XXXX at XXXX. They violated my rights. They need to following the collection laws and practices.
Company Response: Closed with explanation

Timely Response

2019-06-16

Elmhurst, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with non-monetary relief

Timely Response

2019-06-15

Eloise, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-06-15

Cane Creek, AR

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with monetary relief

Timely Response

2019-06-14

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-06-14

Rochester, OH

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I filed a previous complaint ... and they sent me a document showing when I canceled All my online bill payments and then showed when they actually canceled them and some of them were canceled way after I did, this is unacceptable what a bunch of shysters I played phone tag with this Woman from 5/3 multiple times she never called me back at the number I asked her to call me back at multiple times when I left a voicemail I am absolutely done playing games
Company Response: Closed with explanation

Timely Response

2019-06-14

Lewisville, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Hello SIr/Madam, I requested Fifth Third Bank to close my escrow account around 1st week of XX/XX/2019 ( my home LTV was less than 80 % ), they told me that once I make a written reqest it will be closed in 2 buisness days and mortgage payments starting from XX/XX/2019 will be adjusted accordingly. I received a refund check from escrow companay around XX/XX/XXXX week, however as of today it's been 1.5 month and even after multiple conversations, it's not done even after they having all the evidences to establish LTV < 80 % : -their appraisal report apprasing property around XXXX ( LTV 76.5 %, home loan is approx 343,000 ) -XXXX county appriasal report of property around XXXX for tax purposes ( LTV 78.5 % ) -PMI cancellation notice ( sent after LTV < 80 % ) Even after having all these evidences they haven't closed my escrow account & monthly payments adjusted accordingly. I would request XXXX to step in to resolve this.I would be glad to share you any information or documents that you need. Thanks, XXXX.
Company Response: Closed with explanation

Timely Response

2019-06-14

Fairfield, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-14

Chicago, IL

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: I had two checking accounts with Fifth Third Bank which were overdrawn due to fees imposed on the accounts and then additional fees due to the accounts being overdrafted by the original fees. I never opted-in to any type of overdraft protection program for this very reason. The Bank closed my accounts and immediately sent them to collections. This strikes me as usury and nickel and diming customers. I know owe over {$1000.00} to the collections agency due to Fifth Third 's deceptive practice.
Company Response: Closed with explanation

Timely Response

2019-06-13

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with non-monetary relief

Timely Response

2019-06-13

Evanston, IL

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-06-13

MI

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I currently have a fifth third secure credit card. I couldnt enroll in auto payment online so I applied via mail. I sumbitted my first form of auto payments during the beginning of XXXX and still havent gotten auto payments yet and its already mid late XXXX. I didnt want to get charged a late fee so i called towards the end of XXXX to reassure if I was already enrolled in auto payments yet and the customer service reassured me i was already enroll and that it will withdraw from my bank account on XXXX XXXX so I didnt have to set up a payment. XXXX XXXX comes around and i recieved a call stating i have missed a payment and charged a fee. I called up to fifth third customer service and the lady told me i was not enroll onto auto and that she couldnt help with my problem so she gave me a number to call back to see way i wasnt enrolled in auto payment. I do not recommend this credit card or bank at all very unprofessional and do not value you as a customer.
Company Response: Closed with monetary relief

Timely Response

2019-06-13

Paddock Lake, WI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with non-monetary relief

Timely Response

2019-06-13

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-06-12

Austin, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-12

Atlanta, GA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: Fifth Third is unable to resolve credit card fraud and identity fraud. They put consumers at risk and make them go through hours of hurdles to try and get fraud resolved. It is reckless and irresponsible and shows poor fraud defenses on their end. I received a notification from a credit monitoring service ( XXXX ) on XX/XX/2019 that there was a hard inquiry on my TransUnion credit report from Fifth Third Bank and 2 other banks. I did not make any of those inquires for credit so realized I was a victim of identity fraud. I put in a fraud alert for the credit agencies, and then was able to call and close 2 of the fraudulent accounts that were opened under my name. It took around 30 minutes to an hour of hold time, getting transferred, and putting in my info to get those fraudulent accounts closed. This is an XXXX, but I thought 2 banks had a good customer service experience to resolve identify fraud. For Fifth Third, however, I have spent over 4 hours on hold and being transferred between departments but have been unable to resolve this issue. Fifth Third repeatedly says in their hold menu that I need to enter my account number of social security number to get faster service. I don't have an account number ( because it is fraud! ) and my social is not registering with them. So that means I sit on hold for 30-45 minutes since I am de-prioritized in the queue. When I finally do get a hold of someone, they say they can't access my application since my info doesn't match ( BUT OF COURSE IT DOESN'T MATCH. IT IS FRAUD. WHY WOULD THE INFO MATCH WITH FRAUD!! ). This is an awful customer experience and they are running the risk of someone receiving a credit card in my name and me being liable.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-12

Mount Holly, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: This is a continuation of complaint # XXXX. We agreed to settle this complaint for {$3500.00}. Our attorney has been trying to reach The Fifth Third attorney since XX/XX/2019 and still has not heard anything. It is bad enough that 5/3 let my XXXX year old mother walk out of their bank with {$54000.00} cash, now they won't even give us the money they said they would give us. Again, she came into the bank five times taking anywhere between {$4000.00} and {$21000.00} in CASH each time. They knew something was wrong but did they put a flag on her account - NO. Did they call me the co-owner on the account - NO. Financial institutions need to take some responsibility for the negligence they showed in protecting my mother 's money. We need to put more regulations in place.
Company Response: Closed with explanation

Timely Response

2019-06-11

Boca Raton, FL

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Closed with explanation

Timely Response