FIFTH THIRD FINANCIAL CORPORATION

2019-04-22

Cape Coral, FL

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-04-20

Saint Clair, MO

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-19

Altamonte Spg, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-18

Baton Rouge, LA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Closed with explanation

Timely Response

2019-04-18

Calabasas, CA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-04-17

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-04-16

Gr, MI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-15

Wann, OK

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-15

Columbus, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-04-15

Taylor, MI

Other features, terms, or problems

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

Privacy issues
Company Response: Closed with non-monetary relief

Timely Response

2019-04-15

Columbus, OH

Trouble using the card

Credit card or prepaid card: Payroll card

Problem with direct deposit
Company Response: Closed with explanation

Timely Response

2019-04-14

Chicago, IL

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
Complaint: In XXXX of 2018 I setup a secured credit card with XXXX bank for {$500.00} against a {$500.00} secured savings deposit. On XXXX 2018 I went to pay the credit card off at which time maybe had {$250.00} worth of known charges on it. When I arrived to the bank branch I was made aware that the card balance due was nearly {$1700.00} due to a charge from XXXX XXXX XXXX. My first issue here with XXXX bank is that they even allowed a charge {$1200.00} over the credit limit post to my account without verifying the legitimacy of the charge as this would seem suspicious to an other banking institution I bank with. My second issue here is that I DID NOT authorize this charge on my account. ( Note : I have been a XXXX XXXX XXXX customer for over 10 years. I travel often for business and have a XXXX Rewards account with XXXX where by they have a totally different card on file with me whereby ALL rental car charges post to. including but not limited to gas, toll roads, rental charges etc. ) Once I informed the bank branch management of this they suggested I open a fraud case to resolve the matter. Despite my request being that they reverse the charge all together as it was well over the credit it limit and should not have been approved in the first place. Nevertheless I was told this was the appropriate means in which to resolve the issue. After several follow up visit to the branch and a few calls from the fraud department. The claim was ultimately denied as they claimed my relationship with XXXXt XXXX XXXX is evidence that I do business with them. Despite the fact that I ONLY use the card on with budget rental and that regardless of my relationship with them my 2 points remain. 1. The charge was above the limit of the card in questions. 2. I did not authorize any XXXX XXXX XXXXr charges on that card. XX/XX/XXXX I went back into the branch to appeal the decision and spoke with the branch manager who offered no logical or acceptable reason for the cause of this bank error. Therefore, I requested that my case be appealed and re-reviewed. At my request this matter was escalated to the Regional VP who contacted me direct but explained that we would need to open a whole new case. After receiving various conflicting stories and explanation within as to the status of the case I called the number provided by the VP to file a new case. I'm not sure to this day what happened with that second filing as I have no record of it from XXXX to speak of. XX/XX/XXXX after not hearing from anyone on this matter for some months I go to branch the card was originally setup in to speak to the person who created the account. She was just as appalled as I to learn what happened. We called the fraud department and was told the appeal had not been processed and that we would need to refile. Additionally she called XXXX XXXX XXXXr to have them run in their billing system the card number for the account and there were no charges on record for this account. The appeal was filed and I submitted per her instructions submitted a written statement via email that she was to submit along with the appeal stating we called XXXX they can not verify the charge on their end. XX/XX/XXXX I emailed the branch manager who helped to file my appeal for a status update. She informed me she had no further assistance to offer me and instructed me to call the fraud department. In doing so I learned that the fraud department had indeed receive my appeal but had not processed it. They explained that someone would contact me in 48hr to review my case. XX/XX/XXXX no one has yet to call me from fraud and I have now exhausted all possibilities of resolving this matter within the XXXX organization and am seeking help from Consumer Finance and any other means. This has had a HUGE negative impact on my credit score and as a result prevented my from several business opportunities and continues to do so the longer is stays unresolved. The level of dis-concern I been treated with throughout this organization on a matter that should not have ever happened in the first place as the card should have flat out been declined from the beginning is alarming.
Company Response: Closed with explanation

Timely Response

2019-04-14

Thompsons Station, TN

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem using the card to withdraw money from an ATM
Complaint: I was traveling outside the country ... At least 2 weeks before my travel date I called fifth third bank to ask them can i use my fifth third AC360 MasterCard in XXXX. They told me yes. As long as its not a country that the U.S. have sanctions against. Well on XX/XX/XXXX my card stop working and i called to see what was wrong with my card. The customer service department continued to hang up the phone on me while i was in a foreign country. they never tried to contact me back to see what the problem was. They never contacted me to tell me they put a block on my card for a transaction i attempted to make on my card while i was in XXXX. Even after returning to the United States the card would not work ... i went inside the bank to resolve the issue with customer service and they called AC360 and the fraud department and they hung up the phone on me also several times. They also charged me the foreign transactions fee for the transaction that they never approved. I feel they never tried to contact me back about the block on the card because they do not want XXXX men to travel outside the country in the first place. They never tried to contact me by phone, text or email. All they did when i tried contacting them is hang up the phone. I cant contact them because they going to hang up the phone on me because i am XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-13

Indianapolis, IN

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/2019 I deposited {$500.00} into the fith third Bank in XXXX on the corner of XXXX XXXX and XXXX XXXX XXXX, IN XXXX. As soon as the ATM received my money it froze and shut down. I went into the bank to inform them of the situation. I spent an hour with them and the manager had called in and gotten me a refund that was placed in my account several days later. I ended up having to go back home, getting cash, and paying bills due in person and wasting my entire day. A month passed and two days before I have a XXXX XXXX XXXX, the bank removed the money from my account, draining my funds and preventing me from paying my bills. I called in and had no success with speaking over the phone so I drove to the branch the problem occurred at and talked to the manager. He had no recollection of our previous meeting and said there was nothing he could do and I had to email and reopen a claim. They asked me for a receipt which I never received because the ATM did not produce one when it froze up, and they refused to check the video footage that would've shown me placing the {$500.00} into the ATM. I emailed the claims department and have not heard anything back from them. So my account is still drained, bills unpaid, and I'm laying here with XXXX XXXX XXXX up in my XXXX unable to move from my bed.
Company Response: Closed with explanation

Timely Response

2019-04-12

Chicago, IL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-04-11

Hot Spgs Vl, AR

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Company Response: Closed with explanation

Timely Response

2019-04-11

Cincinnati, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-11

Detroit, MI

Closing on a mortgage

Mortgage: FHA mortgage

Complaint: I went to closing XX/XX/XXXX. I was recently informed why my FHA loan to be insured was rejected XX/XX/XXXX because of the wrong appraisal was submitted. I want a copy of the FHA rejection letter for my record stating the wrong appraisal was in fact submitted. I want all documents from FHA regarding why my loan wasnt insured and also any suggestions FHA department written to rectify the problem.
Company Response: Closed with explanation

Timely Response

2019-04-11

Itasca, IL

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: My father took out a loan from Fifth Third Bank in XXXX, XXXX for the purchase of a XXXX XXXX XXXX in XXXX, Florida. {$13000.00} was financed. All payments had been made on time up through and including payment due XX/XX/XXXX. My father passed away on XX/XX/XXXX. I was unaware that my father had taken out a loan to purchase this vehicle. On Friday, XX/XX/XXXX, the car was repossessed. Firth Third claims to have called the only number on file with the loan which was my fathers cell phone. This phone had not been used since my fathers death. At no point were we contacted by mail or any other means that the loan was delinquent. At the time of the repossession, the loan was 60 days past due. My elderly mother was then left with no vehicle and no understanding of what happened. We learned that the vehicle was repossessed from the XXXX Police department after my mother reported the vehicle stolen. In order to recover the vehicle from repossession, we were forced to pay off the entire loan balance plus the repossession expense. This totaled {$10000.00} which included {$450.00} toward repossession expense. We feel we were treated extremely harshly considering my father 's impeccable payment history prior his death.
Company Response: Closed with explanation

Timely Response

2019-04-10

Detroit, MI

Struggling to pay your loan

Payday loan, title loan, or personal loan: Title loan

Company Response: Closed with explanation

Timely Response

2019-04-10

Hollywood, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-10

NC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-10

Ft Lauderdale, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: You previously referred me to FHFA and apparently they have no specific department/section/division who is responsible to properly investigate my complaint. This is an update of our original request for assistance from your office. In a recent letter received from Ms. XXXX XXXX, representing Fifth-Third Bank in which she acknowledged receipt of our original home loan agreement. As she noted the language contained in the contract is void of any requirements for us to submit any type of contractor 's license, etc ... in addition to any receipts in reference to the repairs of our home. However, according to her, as the Service Provider for XXXX XXXX they are obligated to follow XXXX XXXX guidelines, regardless of what the terms and conditions contained in the above agreement. XXXX XXXX, has refused to acknowledge and/or provide any additional direction or instruction to Fifth-Third Bank to include requested written communication regarding same. It appears that XXXX XXXX is in cahoots with Fifth-Third Bank by unlawfully failing to abide by the terms and original agreement of our home loan. XXXX XXXX as also with malice has purposely refused to resolve this conflict and continues to point to their vendor as the agency responsible and Fifth-Bank points to XXXX XXXX as states they are only following XXXX XXXX guidelines. XXXX XXXX, as well as Fifth-Third Bank, is unlawfully withholding the insurance proceeds received in this matter and is, therefore, causing an undue burden on and preventing the commencement of the needed repairs to our home. Today I just received a phone call from a XXXX XXXX representative " XXXX '', who essentially advised that she had reviewed my complaint and concluded that she found nothing wrong with the way my claim was being processed. In fact she explained that everything was being conducted in accordance with their policy and service guidelines. When I asked her if she had reviewed the terms and condition of the original home loan, XXXX stated she had not and in fact admitted she did not have a copy of same. Apparently XXXX conclusions and opinions are solely based on presupposed assumptions, misinformation, a total lack of comprehension in contract law as well as what her vendor has communicated to her. In other words XXXX XXXX and/or their vendor have not done anything wrong and are not going to change their minds, even though the original terms and conditions of the home loan are being violated and not adhere to. When I requested that this complaint instead be referred to their legal department, she told me she would not do that because their legal department does not provide legal opinions to consumers! In fact, the request was not for me per se, but for them in that I was hoping that someone with some experience and knowledge of contract law could investigate this matter and could advise XXXX XXXX and/or Fifth-Third Bank accordingly.
Company Response: Closed with explanation

Timely Response

2019-04-10

Smyrna, SC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/2019 I talked to a rep at my mortgage servicing company ( 5th 3rd ) about getting an appraisal to be able to drop PMI. They rep told me that the amount that my house would need to be appraised at to drop the PMI would be {$350000.00}. When the appraisal came back at {$360000.00}, they said they can not drop the PMI because the debt to value ratio is under 70 %. They looked into it and listened back to the recorded conversation and stood by their decision because they say I signed the agreement with this on it. I feel they were deceitful, and should at the very least refund me the cost of the appraisal.
Company Response: Closed with explanation

Timely Response

2019-04-10

Concord, TN

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response