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 43
2018-10-23
Miami, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with explanation
2018-10-23
Chicago, IL
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2018-10-23
Cuyahoga Falls, OH
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 explanation
2018-10-23
Galena, OH
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Company Response: Closed with monetary relief
2018-10-23
Mi Metro, MI
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with monetary relief
2018-10-22
Raleigh, NC
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-10-22
Caledonia, MI
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2018-10-22
Other service problem
Money transfer, virtual currency, or money service: International money transfer
Company Response: Closed with explanation
2018-10-21
Cleveland, OH
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 explanation
2018-10-18
OH
Trouble using the card
Credit card or prepaid card: Gift card
Trouble getting information about the card
Company Response: Closed with explanation
2018-10-18
Hinkley, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX sold my mortgage to fifth third bank some months ago. On XX/XX/XXXX, I received a message from my home owners insurance company saying my policy had expired on XX/XX/XXXX due to non-payment. Now, I had a 10 % late fee on my renewal. I called my mortgage company to address the issue, but they would not discuss the problem with me saying I had to talk to their insurance department. This " insurance department '' out to be a third party company unaffiliated with the lender. The Third Party Insurance Department also could not help me saying they had only my policy number and all the accounts had just been handed to them. They told be they had to call my insurance company, put me on hold for 25 min and then disconnected the call. Three more phone calls to the bank ensued, as well as two more to the Third Party Insurance Department and an online message to the bank.
This bank needs to pay my home-owners policy premium from my escrow account and to pay the late fee from some other source.
Company Response: Closed with explanation
2018-10-18
Clermont, FL
Fraud or scam
Money transfer, virtual currency, or money service: Mobile or digital wallet
Complaint: On XX/XX/2018 I wanted to make a purchase online and the seller I was in contact with said they took payments through XXXX. Knowing that XXXX was already built-in to my bank 's app, I felt comfortable with that assuming XXXX had the same or similar policies in place to XXXX so that if anything happened I would get my money back. Also because it was part of my bank 's app, I assumed they would have a contract with a company that supported their customers. However, I sent {$360.00} on XX/XX/XXXX, with the seller proceeding to give me the runaround and a fake tracking number. They stated they dropped off the package on XX/XX/XXXX, but I never received the package. I contacted XXXX multiple times but they could not find any history on the package. After realizing I got scammed, I found multiple other reports of people getting scammed through XXXX. I decided to send a XXXX money request and invoice to the seller through the email I paid money to on XXXX, but they have yet to respond. My bank also does not claim to return the money to their customers as it was an " authorized '' transaction. It may have been authorized initially, but there should be some way of getting your money back in the case of not getting what you pay for. Also, I had to do my own research to find out that they do not have any protection policies in place. When I registered for XXXX, there was no disclaimer that stated their policies regarding scammers.
Company Response: Closed with explanation
2018-10-18
Indianapolis, IN
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-10-17
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2018-10-17
Cleveland, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-10-17
MA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: I went to do an extension for my auto loan when i was leaving the country for vacation. I did not get a piece of paper i needed to sign and return to make it happen. So i made every payment since then for my account but because i did not make that one it has been showing on my credit score as 3 missed payments which is not correct at all. 1 missed month but it wasn't even missed in reality. They just didn't tell me about the piece of paper i needed to sign because i would have told them i will be gone for a month and not able to get the paperwork anyway.
Company Response: Closed with explanation
2018-10-17
Chicago, IL
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: Coming into this branch I already experienced several problems with XXXX the banker who opened my account. Coming into the branch on Saturday XXXX XXXX at XXXX XXXX I came in and as always saw very friendly staff. I came and approached XXXX XXXX the teller and she informed me that my D.O.B. was wrong on my account so I had to speak with the banker who opened my account which was XXXX. I was reluctant to do so because of every experience I've had with her including one the previous week in which she called me with a nasty attitude and told me she pretty much was only calling because she had to.
I came into her office and she never once asked me for any identification even after I tried to present it to her. I find it very unethical and illegal for a banker to access my personal records and discuss my account without properly identifying who I was or accepting my identification. She was so rude as always I still never got my account date of birth fixed and its so disheartening to know great representatives of this branch from the security staff to XXXX XXXX the branch manager, XXXX a banker, XXXX XXXX, teller and the other tellers who are so professional and courteous even to rude customers are now seemingly over shadowed by this one banker who treats customers as she wants to and still is literally acting as if she is above the law by not verifying my identification. She has got to be the rudest banking rep I've ever had to deal with in banking. Horrible service from XXXX on a regular and continuous basis. She never even greets customers with a hello or goodbye or have a nice day or anything. She is always so informal and rude and I just have literally started to hate coming into this branch do to her actions and behavior that seems to go uncorrected because she is not being held accountable for her poor customer service.
This is in reference to the branch located at XXXX XXXX XXXX XXXX XXXX IL XXXX
Company Response: Closed with explanation
2018-10-16
Galena, OH
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Money was taken from your account on the wrong day or for the wrong amount
Complaint: Ive banked with XXXX since XX/XX/2011 and they always charge {$12.00} for overdraft protection. Which is basically transferring money from one of my savings accounts to cover for shortages on my checking account. I made a mobile deposit on XX/XX/XXXX which got credited on XX/XX/XXXX, the same day a couple other payments got debited. And yet even though these transactions were supposed to leave with a balance of well over {$300.00}, I still got charged a fee for overdraft protection on XX/XX/XXXX!!
Company Response: Closed with monetary relief
2018-10-16
NC
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: On XX/XX/XXXX, I initiated a credit card dispute case with Fifth Third Bank regarding a number of transactions with transaction dates ranging from XX/XX/XXXX to XX/XX/XXXX. All of the transactions are directly related to the business entity known as XXXX XXXX XXXX XXXX XXXXfor short and are part of XXXX bilking scheme as it is detailed in the FTCs complaint document. The cumulative amount of the dispute case is {$9200.00}.
At the time my dispute case was initiated, the outstanding balance on my card was {$7900.00}. And, all of the transactions which create this sum are the result of XXXX bilking scheme.
Unfortunately, I can not provide you with an image of the actual credit card statements denoting these transactions because my computer system is not equipped with a document scanner. All I can provide you with are pdf images of the statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
On XX/XX/XXXX, Fifth Third Banks dispute center nullified a small number of the disputed transactions without hesitation or question and without requesting any additional information. The transactional amount that was nullified was {$1400.00}. This action decreased by cards outstanding balance to {$6400.00} and decreased the overall dispute case amount to {$7700.00}.
On XX/XX/XXXX, I received a letter from Fifth Third Banks dispute center informing me that the remaining transactions in the dispute case were not eligible for relief due to them being more than 60 days old. The cumulative transactional amount that they were declining to nullify was {$7700.00}.
Of note here is that the transactions that the refused to nullify are no different from the transactions that they somewhat automatically nullified on XX/XX/XXXX because the funds were directed to the same merchantXXXXand for the same two purposes.
On XX/XX/XXXX, I mailed them a letter stating that the transactions they were refusing to nullify were not typical transactions because they came into existence as part of XXXX bilking scheme and that it was understandable that the transactions would have some age on them because one does not always know within 60 days that one has become the victim of a bilking scheme. The letter also requested that the dispute center reopen my dispute case for the reason described in the preceding sentence. Attachment CFPB_ATCH_A will show you the letter that was mailed to the dispute center and will denote the transactions that the dispute center refused to nullify.
On XX/XX/XXXX, after noticing that no temporary credit had been applied to my account, I telephoned the dispute center to ask them if they had received my letter. I was told that my letter had been received on XX/XX/XXXX, that my dispute case had been reopened, and that a secondary investigation and-or review had been initiated. I was also told that a temporary credit of - {$7700.00} would be applied to by current balance, that my minimum payment would be set to {$0.00}, that my due date would be set to Not Available, and that all of these changes would remain in effect until they had completed their investigation and arrived at a ruling.
On XX/XX/XXXX, after noticing that no temporary credit had been applied to my current balance, that my minimum payment had been set to {$120.00}, and that my due date had been set to XX/XX/XXXX, I again telephoned the dispute center to find out why what I was seeing online regarding my account did not coincide with what they had said to me during my XX/XX/XXXX telephone conversation with them. Their response was that what I was seeing online was the result of an automated computer-system process. They went on to tell me that everything was all right, that my dispute case was still active and being reviewed, and that I was not responsible for making the payment as it was displayed online. In essence, what the dispute center was telling me was to completely disregard everything about my account that I was seeing online.
On XX/XX/XXXX, I made no payment against my cards outstanding balance because the dispute center had told me that I was not responsible for making any payments until after the dispute case had been closed and they had arrived at a ruling.
On XX/XX/XXXX, my account was assessed a late payment fee of {$25.00}, my outstanding balance was increased to {$6400.00}, my minimum payment had been increased to {$250.00}, and my due date had been set to XX/XX/XXXX.
On XX/XX/XXXX, I again made no payment against my cards newly-increased outstanding balance because the dispute center had told me that I was not responsible for making any payments until after the dispute case had been closed and they had arrived at a ruling.
On XX/XX/XXXX, my account was assessed a late payment fee of {$35.00}, my outstanding balance was increased to {$6400.00}, my minimum payment had been increased to {$380.00}, and my due date had been set to XX/XX/XXXX.
On XX/XX/XXXX, I telephoned the dispute center to find out why my dispute case was not being handled in the manner that I was told it would be handled during the previously described XX/XX/XXXX and XX/XX/XXXX telephone conversations, why my account was being assessed late payment fees, why my outstanding balance was being increased on a monthly basis, and why I had received no updates of any variety regarding my dispute case. Their response was that they had no explanation as to why my dispute case was being handled in the manner that it was. They went on to say that I hadnt received any updates from them because the case had been closed and ruled in my favor and that I had been given a permanent credit for the entire disputed amount ( {$9200.00} ). They also said that they would send an email to the dispute investigator ; that I would receive a call from the dispute investigator within 24 hours ; and that the dispute investigator would explain to me why my dispute case had been handled the way that it had been, why I had received no status updates, and when I would be able to see that the permanent credit to my account had been applied.
On XX/XX/XXXX, I received an alert from XXXX informing me that Fifth Third Bank had reported to both XXXX and XXXX that I missed two consecutive payments against my credit cards outstanding balance.
Also on XX/XX/XXXX, I again telephoned the dispute center when the call from the dispute investigator that I was promised to receive by XXXX EDT on XX/XX/XXXX never took place. During this XX/XX/XXXX telephone conversation, I was told essentially the same things that had been told during the XX/XX/XXXX telephone conversation. I was also told that the dispute investigator had attempted to reach me by telephone, but that I did not answer. This was a deliberate lie. For, if my phone had registered a missed call, it would have appeared on my phones log of missed calls. There was no missed call on my phone on XX/XX/XXXX. In fact, the last time my phone registered a missed call was from another business entity and occurred on XX/XX/XXXX. When I pointed this out to the dispute representative I was speaking with, she remained silent. When I suggested that my case could be more quickly resolved if the dispute center would just transfer me over to the dispute investigator, I was told that the dispute investigator entity does not accept incoming calls and that the dispute investigator would call me within 1 to 2 business days. Here is where a communication barrier comes into existence. For, if the dispute investigator calls me at a time of day when I can not field the call, then how am I supposed to return that call if the dispute investigator does not accept incoming calls?
On XX/XX/XXXX, which is the first of the two business days that I was told I would receive a call from the dispute investigator, no call from the dispute investigator took place.
On XX/XX/XXXX, which is the second of the two business days that I was told I would receive a call from the dispute investigator, no call from the dispute investigator took place.
In summary, since the XX/XX/XXXX initiation of my dispute case, all of the following statements hold true as of XX/XX/XXXX.
The only formal documentation I have received from the dispute center a letter telling me that some of the disputed transactions had been ruled in my favor on XX/XX/XXXX, a XX/XX/XXXX letter telling me that the rest of the disputed transactions were not capable of being disputed, and an XX/XX/XXXX letter telling me that my dispute case was closed and that they had ruled in my favor. However, the transactions denoted on this XX/XX/XXXX letter were the exact same transactions that had been reversed or nullified in my favor on XX/XX/XXXX. And, it was the receipt of this XX/XX/XXXX letter that prompted me to initiate the XX/XX/XXXX telephone conversation with the dispute center as it is described above.
There has been no formal request for additional information regarding any of the transactions involved in the dispute case.
A temporary credit of the dispute-case amount was never applied to my account, which violates Federal law as I know it to be.
My payment due process was never put on hold, which violates Federal law as I know it to be.
Fifth Third Bank has reported to both XXXX and XXXX that I have missed two consecutive payments, which violates Federal law as I know it to be.
I have been provided with no along-the-way updates as to the present status of my dispute case.
If XX/XX/XXXX is stipulated as the dispute case initiation date, then the dispute case is now over 60 days old.
If XX/XX/XXXX is stipulated as the dispute case initiation date, then the dispute case is now over 100 days old.
I do not know whether or not this will be of any benefit. But, I am going to provide it to you just the same. What follows is a direct quote from Counselor XXXX XXXX, one of the trial attorneys involved with the FTCs case against XXXXwhich is case XXXX. Counselor XXXX quoted statement is as follows : When you dispute a charge, federal laws require your credit card company to immediately credit the disputed charge to your account and then investigate whether your dispute is valid.
I realize that Fifth Third Bank is a private bank. Nevertheless, I do not feel that their status as a private bank should allow their dispute center to operate outside and above Federal law whichconsidering what you have readthey have done.
Pursuant to what you have read, I am seeking your assistance in getting my dispute case with Fifth Third Bank resolved in my favor because there is no logical reason for them to be handling my dispute case in the manner described in this document and also no logical reason for them to have nullified some transactions and not have nullified other transactions when all of the involved transactions are identical with the exception of having different transaction dates.
The dispute center will more than likely tell you that they refused to nullify the eight of the transactions involved in the dispute case because their individual transaction dates fell outside a 60-day notification window. So, heres a rebuttal argument you can use.
On XX/XX/XXXX, they nullified a transaction having a transaction date of XX/XX/XXXX. The 60-day window for notifying them about this particular transaction would have closed on XX/XX/XXXX. The notification date of this particular transaction was XX/XX/XXXX. However, they nullified the transaction even though its transaction date fell outside their 60-day notification window.
On XX/XX/XXXX, they nullified a transaction having a transaction date of XX/XX/XXXX. The 60-day window for notifying them about this particular transaction would have closed on XX/XX/XXXX. The notification date of this particular transaction was XX/XX/XXXX. However, they nullified the transaction even though its transaction date fell outside their 60-day notification window.
Since they did this for two of the transactions have transaction dates that fell outside their 60-day notification window, there is no logical reason for them not to have nullified all the other transactions having transaction dates that fell outside their 60-day notification window.
Attachment Descriptions : CFPB_ATCH_A is a copy of the letter that I mailed to the dispute center on XX/XX/XXXX.
CFPB_ATCH_B is a pdf image of the XX/XX/XXXX credit card statement which denotes the nullification of a small number of the disputed transactions and the absence of the required temporary credit regarding the remainder of the disputed transactions.
CFPB_ATCH_C is a pdf image of the XX/XX/XXXX credit card statement which denotes the assessment of a {$25.00} late payment fee and the increase of the current balance by that amount.
CFPB_ATCH_D is a pdf image of the XX/XX/XXXX credit card statement which denotes the assessment of a {$35.00} late payment fee and the increase of the current balance by that amount.
CFPB_ATCH_E is an XXXX spreadsheet containing downloaded transactions from a different card which denote the paying of XXXX monthly {$19.00} membership fees for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX, the paying of these monthly membership fees was moved over to the Fifth Third Bank credit card.
Company Response: Closed with monetary relief
2018-10-16
Dallas, TX
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Hello I've been a customer with the Bank for 5 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached my balance yet although my card has been close for 3 years ... I have paid over XXXX in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help
Company Response: Closed with explanation
2018-10-15
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!
Company Response: Closed with explanation
2018-10-15
Wallington, NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I was trying to get my mother 's name off of the loan because she passed away on XX/XX/2018. I contacted Fifth Third Bank to get her off the loan and they said they would they would just need the death certificate. I mailed in the death certificate and they have it on record that she died, but they won't take her off the loan. I asked why and the customer service rep said he doesn't do that. I asked for documentation about this policy and he said they didn't have any policy, but it's an internal policy.
Company Response: Closed with explanation
2018-10-15
Euclid, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Fifth third bank is showing a late payment on my report. Late payment occurred due to their payment site being down and I was out of the country for 2 months. Upon returning I was told they remove that late payment from my account since it was due to a technical error on their part, however, they are now refusing to update my credit report and remove the late payment.
They are also showing a balance of {$56.00} which is incorrect as there is a {$0.00} balance on this account.
Company Response: Closed with explanation
2018-10-15
Van Nuys, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: RE : UNAUTHORIZED INQUIRY I reviewed a copy of my credit report and XXXX / XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2017.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.
Company Response: Closed with explanation
2018-10-15
Holt, MI
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