FIFTH THIRD FINANCIAL CORPORATION

2018-03-02

Bloomington, MN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX, I was notified via letter that my property taxes for the second half of the year hadn't been paid. This was unusual because I pay an escrow fee to my mortgage company ( 5/3 bank ) and they pay my bill. I am never late paying them and they have never been late paying my taxes. I called and spoke with a woman named XXXX ( from XXXX county ) and she told me the story ... XXXX county billed the wrong person for my property taxes, that party paid, then realized there had been a mistake and taken back ( or had the money refunded ). Since this date I have made numerous calls to my mortgage company with no resolution. I have also made a number of calls to XXXX County were I have received no help. I have been asking for XXXX County to resubmit to tax paperwork to the correct entity my bank. They refused to do so on a number of occasions. I have asked the county to call my mortgage company. They refuse to do that as well. I have also made calls to 5/3 bank. I called on XX/XX/XXXX and spoke with XXXX, wrote a letter via snail mail on XX/XX/XXXX, called on XX/XX/XXXX and spoke with XXXX, wrote a letter on XX/XX/XXXX, and called on XX/XX/XXXX and spoke with XXXX, faxed a letter on XX/XX/XXXX, and called again today on XX/XX/XXXX and spoke with XXXX and this issue hasn't been resolved. Today I finally got a supervisor ( XXXX XXXX ), but she gave me an email address that did not work and has not returned by call. 5/3 claims they have never received any letters including original copies of letters from the county or my fax including a delinquent tax notice. But they do acknowledge that no second half of the year taxes were paid! The money is sitting there in my account making money for the bank. This situation is so frustrating to me. In my eyes, a mistake was made by the county and they will not help me correct it. At this point there are several hundred dollars of late fees and interested tacked on top of my loan. If you could be of any help I would greatly appreciate it. If you can steer me toward someone who cares and would be willing to help I would also greatly appreciate it.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-02

Chantilly, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-01

Franklin, TN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with non-monetary relief

Timely Response

2018-03-01

Chattanooga, TN

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2018-03-01

Birch Run, MI

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I opened a checking account with Fifth Third Bank during XX/XX/XXXX. After meeting certain requirements, they issued me a {$250.00} account opening bonus. On XX/XX/XXXX, I went into the branch to inquire whether or not the bonus is considered interest. I had not received a XXXX form from Fifth Third Bank at that time. After checking the bank 's systems online, the branch officer indicated that there would be no XXXX issued to me for this bonus. Relying on that information, I e-filed my state and federal income tax returns for XX/XX/XXXX. On XX/XX/XXXX, I received an e-mail from Fifth Third Bank that a new tax document was available for my checking account online. I went online and discovered that they issued me a XXXX for the bonus amount on XX/XX/XXXX. I still have not received the form in the mail. My understanding of the tax regulations is that the bank was required to mail me a XXXX form by XX/XX/XXXX for calendar year XX/XX/XXXX. Fifth Third Bank did not comply with the tax regulations in this regard. Because Fifth Third Bank did not follow the tax regulations by issuing me a XXXX form in a timely manner, I will now be required to file amended tax returns at both the state and federal levels. This will result in added time and expense on my part.
Company Response: Closed with explanation

Timely Response

2018-02-28

Wesley Chapel, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: At the end if XXXX I received my mortgage escrow analyse. It appears that there was a shortage of {$800.00} on my escrow account. My payment was going to go up {$150.00} this year which I could not really afford. I called my mortgage company on XX/XX/XXXX of this year to ask about the shortage. They told me they mistakenly had left off my home owners insurance payment and that caused the shortage. They told me I could repay it back with in 24 months. I told them do that and that I would also like the bank to pay part of that shortage because it was their mistake. Throughout XXXX they never changed the repayment to 24 even after several phone calls and they refuse to reimburse for their mistake.
Company Response: Closed with explanation

Timely Response

2018-02-28

Ottawa Hills, 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

Timely Response

2018-02-28

Incorrect information on your report

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

Company Response: Closed with explanation

Timely Response

2018-02-28

Lake Worth, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with non-monetary relief

Timely Response

2018-02-27

Palos Park, IL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/XXXX i paid my XXXX XXXX Bill with my bank card. The amount was : Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Fith THird bank claims they didnt process it when I I disputed some other chrages on my card. Fifth Third said that the payments was pending. But never told me they were paid. After 14 days they ( Fith Third ), charge back my payments and casued my account to be in the negative as of now. I'm very upset. The people at XXXX XXXX have received their monies since XX/XX/XXXX and not Fith THird is trying to hold me accountable for these payments that was made and thye screwed up. I'm asking for my account to be in the positive and hold them accountable for the monies that thye should have paid to my XXXX XXXX account..
Company Response: Closed with monetary relief

Timely Response

2018-02-27

Clarkesville, GA

Trouble during payment process

Mortgage: VA mortgage

Complaint: on XX/XX/XXXX i spoke with someone in the escrow department of fifth third bank. After a long discussion i came to the conclusion that i would cancel my escrow account as i do not require one having a VA loan. the person i spoke with said i needed to send them a letter stating i wanted to be removed from escrow. I hand wrote a letter and faxed it to the number given to me by the person in the escrow department. On XX/XX/XXXX i called to find out the status of my escrow account, and be sure that they were closing it and sending me the balance. I was told by someone different that they did not have the fax, that it would be another 24-48 hours. So i called back on XX/XX/XXXX to check on the status, and was told again by someone different that they could not locate my letter and requested i email it to her specifically and she would resubmit it and it would take another 24-48 hours from the time she submitted it. Totally irritated now i called back and got someone else again, and she told me they found my fax, and they just opened the case. and it would be resolved by Monday the XX/XX/XXXX. and not to send the email as it would prolong the case. I called again to verify the case was resolved and my escrow was closed and the balance was sent to my house. I got someone else again, telling my they are waiting for a fax that i was told not to send and nobody is even looking for the fax what happened to it or wanting to resolve this issue. There are no contact information for the corporate office, so there is no way to contact anybody that might even consider helping resolve this issue. and every time i call back i get someone different and a new story. i want my escrow account closed, the balance sent to my home address and a new calculation for my mortgage without escrow and the coupon sent to my house. if they cant handle that I may be forced to take my mortgage elsewhere.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-27

Clover, SC

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-02-27

Clinton Township, MI

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2018-02-27

Indianapolis, IN

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-02-26

Williamston, MI

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-02-26

Saint Clair, MO

Problem when making payments

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

Problem during payment process
Complaint: In XXXX I tried several times to make an online payment, and to call in and make a payment. They kept saying there was a system error and that I needed to go to a local 5/3 location to pay. I don't have a local 5/3 location. Every time I tried to pay them I got this same error. I called and spent hours on the phone and they could never help me resolve the problem. buy the time I was able to make an online payment. it was considered late. and they charged me a late fee and reported me delinquent to the credit reporting agencies. This has happened several times in other months as well. Unfortunately, in this case it was to late for me to mail a payment. I was finally able to make a payment XX/XX/2018 for XXXX. but I was trying to pay the balance in full. It would not let me make a larger payment. I feel like 5/3 is intentionally causing error to get late fees. or in the very lease being negligent in addressing the issues to help clients make their payments. I spent hours on the phone. I have never had a 30 day late. and this is the second time it has happened with 5th third. both surrounding the same circumstance. they refused to correct the credit, and told me they don't save the notes. I paid the remaining balance of by mail, immediately after.
Company Response: Closed with explanation

Timely Response

2018-02-25

KY

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: Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX refuses to remove them told me to contact them myself. I contacted them and they are not removed from XXXX credit report. My information was compromised from XXXX data hack. Someone was using my identity.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-25

Savannah, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mother has a mortgage with Fifth3rd bank since XX/XX/XXXX. At the time of closing on her new home she and my dad purchased Mortgage Protection Insurance. The insurance would pay off a mortgage at the time mortgagees passing. Fast forward almost 20 years later, XX/XX/XXXX, My dad XXXX. After everything settles we contact Fifth 3rd, immediately get the runaround. After what seems to be a lifetime of transfers and dropped calls, we learned very quickly that no department communicates to the other. Our Initial question was how could we go about making a claim to have the mortgage paid off. We were told they no longer acknowledge that product and we should have been reimbursed. Our next question was when was she reimbursed and what was the amount. No answer was given. Out of frustration we asked the pay off on the mortgage we were told XXXX. We were floored my moms mortgage with XXXX? ... .when the purchase offer home was XXXX back in XX/XX/XXXX. Fifth3rd refuses to acknowledge that accounting error. After reading the message boards we realize accounting errors are a very common practice. We have submitted " QWRs '' with the hopes of them recognizing the accounting issue, to no avail. We even had a lawyer contact them, who has been totally ignored as well. The stress of it all has caused my XXXX to XXXX. To the point the that XXXX that I donated to her is now damaged. She is now XXXX and is being considered for a XXXX. I just dont want my moms last days here, stressed of how to pay for what essentially could be two homes. How many others are dealing with this chaos.
Company Response: Closed with explanation

Timely Response

2018-02-24

Brentwood, TN

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: On XX/XX/2016 I transferred money out of a joint account with my husband since he was stealing my inheritance in large chunks. I opened an account online in my name along with a friend to meet insurance issues ( two people on the account in case something happened to me. On XX/XX/2016 my husband went into Fifth Third Bank XXXX, TN and as he leaned over the teller desk some, the teller turned her screen to let him view my account, MY ACCOUNT not his. I was recovering from XXXX XXXX at the time. In a few days I moved the money back to our joint account but that's not the issue. When I was well enough, I wrote checks to other banks to deplete funds there but first I gave them three weeks to simply open a {$1000.00} savings account for my friends first grandson as a gesture of making things right for both of us. They refused so I moved all money. This has ended in a divorce between my husband and I and him taking {$440000.00} from me. I first reported this to the FDIC and they suggested bringing it here. FDIC however reported it to the bank and I got a letter stating that I was in the bank with my husband which was a complete fabrication unless he had another woman with him and I don't think so. I responded to them that I was not in the bank. I have yet to hear anymore. I expect them to reimburse my {$440000.00} in lieu of a lawsuit. In the meantime for the divorce proceedings, I am in need of statements from my accounts and it's like pulling teeth. Fifth Third Bank breached my privacy and I want things made whole for me or I will seek litigation. XXXX XXXX is the branch manager and greets me with discourtesy when I enter the bank. XXXX XXXX in the office of the president has been getting me copies however it has taken 4 or 5 batches to get everything. The least they should do is get me statements without a hassle. Bottom line, Fifth Third Bank breached my privacy causing me a divorce and {$440000.00} plus now {$20000.00} so far in legal bills. Short of a lawsuit, they need to make {$500000.00} up to me now without any more stalling or deceitful acts. Sincerely, XXXX XXXX XXXX I will call for their charter to be revoked in a lawsuit and this manager and the teller to lose their jobs. They have caused extreme and unusual stress in my life. XXXX
Company Response: Closed with explanation

Timely Response

2018-02-24

Palos Park, IL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: This is in regards to 5/3 bank checking account offer which states, " Essential Checking account must be opened between XX/XX/XXXX and XX/XX/XXXX. To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening [ criteria 1 ] AND maintain a {$500.00} minimum balance for 60 days [ criteria 2 ] ''. I called Fifth Third bank today, spoke with XXXX in XXXX, OH at XXXX, who informed me that I no longer qualify for the {$300.00} bonus because my balance had at some point fallen below {$500.00}. I explained to her that I still qualify for the offer because I completed criteria 1 and am still able to complete criteria 2 because criteria 2 does not say at what point in time criteria 2 needs to be met - For example, a certain number of days from account opening or a certain number of days from when you make the initial {$500.00} deposit. In my particular case, I opened a 5/3 Essential Checking account on XX/XX/XXXX and provided them with the offer code they had sent me. On XX/XX/XXXX, I made my first deposit of {$500.00} or more ( meeting criteria 1 ), then I withdrew money causing my balance to go under {$500.00} ( which I argue does not disqualify me ), and then I brought my balance back to {$500.00} on XX/XX/XXXX and have maintained it at {$500.00} or more ever since. On XX/XX/XXXX, 60 days from XX/XX/XXXX I will have completed criteria 2 and should be given {$300.00} from Fifth Third Bank. Had the language in the bonus offer stated, " To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening AND maintain a {$500.00} minimum balance for 60 days from the date of the first deposit of {$500.00} dollars or more '' then they would have reason to disqualify me. But that is not what it says. At the web address below you will find their current offer with the same language as the prior offer just different dates as to when the offer expires and current offer is {$200.00} instead of {$300.00} when I signed up : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2018-02-23

Acworth, GA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-02-23

Colts Neck, NJ

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 non-monetary relief

Timely Response

2018-02-22

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

Timely Response

2018-02-22

Ormond Beach, FL

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2018-02-22

Westfield Center, OH

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response