FIFTH THIRD FINANCIAL CORPORATION

2018-11-13

Colfax, IN

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-11-13

Davie, FL

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Closed with non-monetary relief

Timely Response

2018-11-13

Chicago, IL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-11-13

Englewood, OH

Problem with a lender or other company charging your account

Checking or savings account: Savings account

Transaction was not authorized
Company Response: Closed with monetary relief

Timely Response

2018-11-10

KY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/18 I reported a fraudulent transaction made on my debit card in the amount of {$150.00}. A fraud report was made case # XXXX and I was told to destroy my card because it was blocked and could not be used and I did. On XX/XX/18 I received an email stating that a purchase was just made at a XXXX XXXX with my 5th 3rd debut card. I called 5th 3rd and the fraud department me informed me that my debit card had not been blocked and they could not see why it was not blocked in their system. If the card would have been blocked as they told me it was yesterday then I would not be dealing with another fraud incident. This situation is placing stress on me and my family as we have bills scheduled to draft and groceries to purchase which I can not do so now. I spoke with Supervisor XXXX ( XXXX ).
Company Response: Closed with explanation

Timely Response

2018-11-08

Panther Creek, TX

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with explanation

Timely Response

2018-11-08

Charlotte, NC

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Company Response: Closed with explanation

Timely Response

2018-11-08

Mount Holly, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Beginning on XX/XX/XXXX, I have been in contact with several individuals working with Fifth Third Bank customer service line at XXXX. The issue involves a money order that was paid in XX/XX/XXXX. All of the individuals that I have spoken with have never resolved the issues related to the money order some of their names include XXXX XXXX, Supervisor at the call center, XXXX XXXX, Personal Banker in XXXX Ohio, XXXX XXXX, Supervisor of the call center. Specifically I went to a a XXXX, Ohio Bank on XX/XX/XXXX, and spoke directly to XXXX XXXX who provided me with false information regarding the price of my bank statements. XXXX XXXX told me that the cost of my statements is 5 a page when it only cost 5 dollars for a statement. XXXX XXXX threatened to call the police on me because I asked for a copy of my statements. Furthermore, I have been informed that XXXX XXXX wrote a note on my account stating that I mentioned filing a lawsuit against the City of XXXX. I never mentioned anything regarding a lawsuit against the City of XXXX and all of the information that XXXX has written on my account is false. She also provided me with false information regarding my account. In addition XXXX XXXX refused to provide me with the name of the individual/company who endorsed a money order on XX/XX/XXXX. I would like to have a fraud investigation because I believe there is fraud going on with my account and I would like the CFPB to oversee the fraud investigation
Company Response: Closed with explanation

Timely Response

2018-11-08

East Hazel Crest, IL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with non-monetary relief

Timely Response

2018-11-08

NC

Incorrect information on your report

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

Account status incorrect
Complaint: XX/XX/XXXX following the catastrophic hurricane in the XXXX 's, I contacted Fifth/Third Bank and requested a deferred payment arrangement in order to give me time to get back to work and regain finances in order to satisfy my financial obligations. The representative was quite helpful and assured me that I qualified for a 2 month extension for the months of XX/XX/XXXX and XX/XX/XXXX. We set up arrangements to begin repayment of my auto loan on XX/XX/XXXX via my XXXX XXXX checking account. The Extension Agreement required that I pre-authorize payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( I have copies of the pre-authorized payment schedule ). I was assured that my credit would not be negatively impacted and that NO payment would be required prior to XX/XX/XXXX in the amount of XXXX ( included a XXXX processing fee for the month of XX/XX/XXXX only ). In addition no late fees would be assessed to my account as a result of the deferment for the months in question. I was also told that I could expect an Extension Agreement to be issued within 2-3 business days and that I would be required to sign and return it either by Fax, e-mail or USPS mail. After not having received the aforementioned Extension Agreement, I called 5/3 Bank again the end of XX/XX/XXXX to inquire of its status. I was told by the CS agent at that time, that because of the large number of requests due to the Hurricane that they were " backed up, but no worries because my extension was being processed and would be mailed to me within 2-3 business days ''. I received the Extension Agreement via the USPS XX/XX/XXXX with a mail date of XX/XX/XXXX and a required return signature date of XX/XX/XXXX. On XX/XX/XXXX I faxed the signed agreement to the number attached from the Fax number ( XXXX ) XXXX. I received a " Transmittal successful '' reply and also placed the same signed Agreement in the mail in the return envelope to be certain that it was received by XX/XX/XXXX. I had NO knowledge that supposedly NEITHER of these methods of return were " received ''. I did not receive any phone message. Instead, on XX/XX/XXXX an email ( which went to SPAM ) was sent from " Auto Loss Mitigation Customer Inbox.XXXX '', an entity that I had no knowledge of and therefore no reason to open it in " SPAM ''. I found this out because on XX/XX/XXXX, I retrieved a phone message from 5/3 Bank left XX/XX/XXXX informing me that my auto loan account was " past due '' and that I needed to return the call. It was upon retuning that call that I was told that they did not " receive '' the Faxed Agreement and that the mailed paperwork had conveniently been received a day late ( XX/XX/XXXX ). I do not believe either of these statements to be factual, but rather that my Agreement was not PROCESSED in time likely due to the same reason that it took nearly two weeks to send it out in the first place-the large volume of requests related to the storms. When I spoke with the CS agent on XX/XX/XXXX, I was assured that they would again offer the Extension Agreement for the months of XX/XX/XXXX and XX/XX/XXXX provided I make a preauthorized scheduled payment on or by XX/XX/XXXX and that I preauthorize 3 future payments which I again set up using my XXXX Checking account for the dates of ( XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Further, I was assured that keeping this arrangement would prevent my account from being negatively reported to the Credit Reporting Agencies. Despite this obvious delay in processing on the part of Fifth/Third Bank and/or its entity -AutoLoss Mitigation , XXXX , it has come to my notice that Fifth Third reported my account " delinquent '' for the Months of XX/XX/XXXX and XX/XX/XXXX to the Credit Reporting Agencies effectively destroying my credit! The exact opposite of what I was assured would NOT happen and the reason for requesting the Extension Agreement in the first place! And while I have to date made the required payment ( on XX/XX/XXXX ), the response to my requesting a " Retraction '' in reporting my Account delinquent for these months, is that they " can not advise me about credit reporting issues and that I should contact FTC.gov ''.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-07

Mount Holly, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/2011, I purchased a money order in the amount of XXXX from Fifth Third Bank. I issued the money order to Attorney XXXX XXXX. Since 2011, a dispute has occurred in which the attorney is stating that he never cashed the money order. To prove payment, I requested a front and back copy of the money order from XXXX XXXX and several other Fifth Third Staff members. XXXX XXXX provided me with a copy of a money order with no endorsement. When I asked XXXX XXXX for a written letter to submit as proof of payment and endorsement she stated that she can not provide me with the name of the customer who cashed the check instead, she has only provided me with the name of XXXX XXXX XXXX as the banking institution of where the money order was presented. Based upon the money order having no endorsement and Fifth Third Banks refusal to provide me with the name of the customer and other pertinent details I am not able to prove that I made a payment to the Attorney and Im unable to receive my funds back. I am attaching a copy of the money order provided by Fifth Third Bank and copies of my bank statements as supporting documentation.
Company Response: Closed with explanation

Timely Response

2018-11-07

Jacksonville, FL

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Complaint: The bank is Fifth Third. I have not closed the account yet. Waiting for interest payment. I have a " relationship money market '' account with 2 % for the first 3 months ended XX/XX/18. Even if I go below the {$25000.00} the offer says I would receive a blended rate. I had a balance of {$100000.00} until XX/XX/18. {$40000.00} until XX/XX/18 {$0.00} until XX/XX/18 Per Offer attached : " Your interest payments may reflect a blended APY that is below 2.00 % '' The bank refuses to pay ANY interest on the month of XX/XX/2018. XXXX XXXX XXXX is the personal banker. XXXX XXXX is the Manager. XXXX XXXX XXXX. XXXX, fl XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-07

Crystal Lake, IL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-11-07

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-11-07

Carrollwood, FL

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

Timely Response

2018-11-06

Charlotte, NC

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-11-06

Cortlandt Manor, NY

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: You already have received this information and you ignore these complaints. I have been scammed because your LACK of internal security measures that allowed a perpetrator to receive bank information from one of your account holders and paid this money onto my XXXX account for only to be identified as UNAUTHORIZED.. You have a serious security inside your office and should be ASHAMED of protecting not only your client but the associates that your supposed clients do business with.. As a result of your exposure I have had XXXX or so be paid into my account for a debt that was owed me to only be removed or clawed back days later to perpetrators that were paid prior to these events. In addition XXXX Admitted that there are flaws in the banking system and loop holes that allows perpetrators to scam innocent people like myself. IF this is not rectified and those monies put back in my account I will pursue legal issues that will show your bank and other banks these flaws that will hurt your company. I am not trying to threaten or hurt the bank, I want the monies put back in my account and you work this out with XXXX. In addition I want to have better security that people are real-time notified of changes to their accounts that would have prevented this from happening and me be out because of these perpetrators XXXX and nearly 1.5 million due to one of the ring leaders. I will expose this to the media which I really dont want to do but I may have to if this is not resolved
Company Response: Closed with explanation

Timely Response

2018-11-06

Philadelphia, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I closed on my home -- a new property, qualifying for a 10 year tax abatement -- in XX/XX/XXXX. At the time of close, it became apparent that the closing company had forgotten to account for my tax abatement on some estimates ( causing me to pay a couple thousand additional dollars into my escrow account at close ). I was assured that this could be worked out with my mortgage company after closing. My mortgage was sold to Fifth Third Mortgage Company in early XX/XX/XXXX. I promptly submitted an inquiry re : the escrow amounts on XX/XX/XXXX. Not only did I have the excess in escrow from closing, I also had to pay an extra ~ {$300.00} a month for my mortgage, so I was eager to resolve the issue as soon as possible. In response, Fifth Third opened an issue and informed me that they would respond in 15-25 days via mail. This delay was frustrating to me, as I hoped I would be able to provide legal documentation of my tax abatement right then. I asked if I could speak to someone from Fifth Third Mortgage Company directly. They said no. In early XXXX, I received a response in the mail, indicating that they needed further evidence of my tax abatement. I immediately faxed over a copy of my stamped document affirming my property 's tax abatement aside the letter they sent me. I followed up this fax with an online message to confirm the receipt. Again, they indicated they would respond in 15-25 business days. Today is XX/XX/XXXX, and I have still not received a response. My monthly mortgage bills are hundreds of dollars higher than they should be, and I am owed thousands of dollars from closing three months ago. I sent a message explaining that my promised response was missing and that holding excess in escrow is a violation under RESPA. They responded to tell me to contact customer service over the phone -- despite the fact that they told me earlier there was no way to contact a Fifth Third Mortgage Company rep directly over the phone. I am completely frustrated with this situation and the way I've been treated by the Fifth Third Mortgage Company. I've attached screenshots of all my correspondence, as well as the evidence of my tax abatement ( as faxed over on XX/XX/XXXX ) and screenshots of my account info and activity ( taken today, XX/XX/XXXX -- showing the escrow balance vs escrow disbursements & monthly fees ).
Company Response: Closed with explanation

Timely Response

2018-11-06

Farmingtn Hls, MI

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-06

Rochester, OH

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with non-monetary relief

Timely Response

2018-11-05

Chicago, IL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-05

Brunswick, OH

Closing an account

Checking or savings account: Savings account

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-11-04

Chicago, IL

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: Fifth Third clearly violated the Equal Credit Opportunity Act ( ECOA ) while processing my Home Equity Line of Credit on XX/XX/XXXX. One important reason that Fifth Third violated the Equal Credit Opportunity Act is that I experienced disparate treatment. According to US labor law, disparate treatment is when an individual of a protected group is shown to have been singled out and treated less favorably than other creditworthy borrowers. A simple analysis of Fifth Thirds lending practices would obviously show that similarly-situated borrowers not in the protected class do not wait an average of 12 weeks to close on a Home Equity Line of Credit ( HELOC ). A basic analysis of race data in HELOC applications would be more than enough evidence to prove that Fifth Third discriminated against me. Now, Fifth Thirds Office of the President has argued that they needed additional required documentation for underwriting and this was one of the reasons for the delayed closing. But the complaint that Fifth Third has clearly violated the Equal Credit Opportunity Act is still true. Fifth Thirds additional documentation argument is flawed because every requested documentation was done electronically via email. I have email evidence that shows the conversations along with the ( date and time ) various additional documentation requests were made by Fifth Third and the ( date and time ) I submitted them. My quick turnaround submission of these documents will undoubtedly shows that their reason for a 12 week closing is dead wrong. Another key reason that Fifth Third violated the ( ECOA ) while processing my HELOC application is the underwriting department created barriers making it more difficult for me to close within the standard timeframe. Fifth Thirds initial operating procedure in applying for a HELOC is to run a credit check, verify employment and home insurance for all applicants. A basic review of Fifth Thirds HELOC application procedures will serve to prove that Fifth Third exhibited discriminatory requests from me that was out of line with their standard practice. Of course, Fifth third claims that the 12 week closing on the HELOC was due to clearing up a delinquency on my credit report, verifying income and the mailing address on my insurance policy. However, the weight of the evidence is on my side. What must be remembered is that these are initial steps in the application process and should have been verified months before I received a second request to provide this information again. I also have email proof that shows the ( date and time ) I submitted the required documentation and the long time period in between Fifth Thirds second request for the same information months later. A major reason that Fifth Third violated the ( ECOA ) with regard to my HELOC application is they have a pattern of discriminatory lending. In XXXX, Fifth Third agreed to pay the federal government {$18.00} millions dollars after claims it charged XXXX and XXXX customers higher rates for auto loans. This proves my situation is not unique but apart of Fifth Thirds standard practice of discrimination. Fifth Third has admitted to providing me with misinformation about the type of appraisal I should receive but there are many more examples of how I was misled throughout the entire HELOC application process. I have proof of multiple email conversations Ive had with the loan officer, general and regional managers at the bank, and the underwriting team at the XXXX Michigan location that clearly point out specific examples of disparate treatment. All parties noted did nothing to rectify the situation after months of discontent. Therefore, I was forced to log a complaint with the XXXX XXXX XXXX. Even after the complaint was logged, Fifth Third made little effort to close on the HELOC. Finally after 11 weeks, I sent all noted parties an email stating I was drafting a personal letter to XXXX XXXX XXXX ( Chairman of the Board, President & CEO ) at Fifth Third and XXXX XXXX Consumer Complaint a detailed account of my experience with the HELOC process. Ironically, I got a call the next day asking me to come into the bank for the closing. This not circumstantial, it clearly demonstrates guilt and an attempt to cover-up the disparate treatment I experienced. Consider all of the evidence and reasons I provided, there is no doubt that Fifth Third violated the Equal Credit Opportunity Act ( ECOA ). Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-04

Cheverly, MD

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: I just received an alert showing a hard inquiry from Fifth Third that I do not recognize or have authorise. Please correct. Creditor Name : Fifth Third Bank Inquiry Date : XX/XX/2018 and XX/XX/2018. Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Company Response: Closed with explanation

Timely Response

2018-11-02

Harsens Is, MI

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Opened an Checking account with the terms of making a deposit of {$500.00} or more in the first 45 days and them maintain a balance of {$500.00} for 60 days from the date the balance requirement is reached. Will get a {$250.00} bonus if the following requirements are met. I opened the account in XX/XX/2018 and have had met all the requirements but still have not got my {$250.00} bonus.
Company Response: Closed with explanation

Timely Response