FIFTH THIRD FINANCIAL CORPORATION

2018-02-21

Gastonia, NC

Lost or stolen check

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Complaint: XX/XX/2011 I had 2 cd accts I used to have a cashiers check made to XXXX XXXX and XXXX in the amount of XXXX XXXX. since then i was made aware that the funds were never signed or cashed, nor applied to my house. i have proved to 5th 3rd that I had those funds and the agent from the bank all but called me a liar. I told her what I had and it as recently they admitted i had put the overage of the cashiers check into my checking account. I have not been with that bank in years and also the branch I got the check from doesn't exist because of the new bank that was built. I received absolutely no help from the customer service people and the VP office I made complaints to. I filed a complaint with the consumer 's protection site and the bank responded to me and not to them. No one from the VP office except one lady has called and sent me some paperwork. All she sends is information on my checking account. The bank has no copy of the check, i got no receipt, no one has signed or cashed the check. My husband will attest to the existence of the check, if he had cashed it he would not come home. XXXX states they never received the check. There was an employee of XXXX that heard my husband state he took the check to the XXXX XXXX, so did husbands girlfriend. I am/was working with XXXX XXXX at 5th 3rd who was rude, and various people that managed to be promoted or whatever. I am XXXX years old partially XXXX but trying to work and that money is missing and is all i have to show for working all my life I now have proof, thru XXXX XXXX, a paper XXXX XXXX sent about the other XXXX XXXX put into my checking account and a notarized letter from XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-02-21

Maumee, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-02-21

Cincinnati, OH

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Closed with non-monetary relief

Timely Response

2018-02-21

Wonder Lake, IL

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: To whom it may concern, OnXX/XX/XXXX We received a Fifth Third Credit card statement Trio Credit Card, dated XX/XX/XXXX to XX/XX/ in my husbands name, with a XXXX balance.This credit card in my husbands name was opened up on XXXX. My husband never applied for this credit card at Fifth Third Bank in XXXX XXXX Illinois, so we called the credit card Fraud department at Fifth Third, and explained the situation and closed the credit card down due to fraud. We then asked if any other cards were opened up in his name, or my name and they told us that a XXXX XXXX rewards card was opened up in my name on XXXX and told them this was fraud as well and to close it down.My husband and I NEVER received an official credit card in the mail, nor did we ever receive any statements except for the one dated XX/XX/XXXXto XX/XX/XXXXin my husbands name which alerted us to these credit cards being opened up fraudulently. Both of these cards were opened coincidentally the same day as our loan was opened by XXXX XXXX manager at Fifth Third in XXXX XXXX, which makes me believe someone at XXXX XXXX in XXXX XXXX opened up these cards fraudulently. The manager at the time, XXXX XXXX was fired from Fifth Third Bank in XXXX XXXX which makes this even more interesting.Not only did my husband and I find out we had these 2 cards opened in our name, but I had 2 other cards opened in my name from Fifth Third Bank, and my husband had 1 other card opened up at Fifth Third in a woman 's name using my husbands social security number. It is our belief that all these fraudulent credit cards were opened up so that the person who opened them up at Fifth Third Bank ( in XXXX XXXX )? " got bonus points '', or extra money for doing this. Why would all of these credit cards be opened up if my husband and I never received an official card to charge with? We would advise ANYONE NOT TO OPEN CREDIT CARDS UP AT FIFTH THIRD BANK due to what happened to us! We reported this to our local police department, The XXXX FBI, and the FTC in XXXX. No one should have to experience this, but unfortunately this has happened to us since using Fifth Third Bank in XXXX XXXX, Illinois.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-21

Boston, MA

Closing your account

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

Company closed your account
Company Response: Closed with non-monetary relief

Timely Response

2018-02-20

Cincinnati, OH

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2018-02-20

Chesapeake, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-02-20

River Forest, IL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-02-20

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-02-20

Kittanning, PA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Company Response: Closed with explanation

Timely Response

2018-02-19

OH

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: After an error with fifth third 's direct deposit I found myself facing a possible foreclosure in late XXXX. My wife at the time was in charge of our finances and did not catch the error because she thought the payments were coming out automatically and we had plenty of money then so she didn't think twice about it. I submitted an application for assistance but it was taking so long to process that we had to borrow {$10000.00} from her father to pay of the back mortgage, fee 's, etc. My wife 's error in not checking our account unfortunately lead to the start of our divorce. Soon after we made the payment to the bank we went to check on the condo since we hadn't heard from our tenant. The tenant had received a foreclosure notice and had moved out. When she left she stole all of our appliances, ceiling fans, cabinet droors, light bulbs, ruined the carpet etc. I had no money to fix the place up so and going through a divorce so I could not make my payments. I submitted an application in XX/XX/XXXX asking for assistance. When it came back I called in to see if i could do a deed in lieu and the rep said he would process it. After that i received a letter that i didn't understand so I got my lawyer involved and he said we had til XX/XX/XXXX for a hearing. Then i received something in the mail in XX/XX/XXXX saying a hearing was completed and that my condo was being foreclosed. I then asked for help again, hired a realitor, and wanted to do anything i could to stop the foreclosure. The bank said i needed to submit another application for assistance so i did in the beginning of XX/XX/XXXX. My realitor received offers and kept calling to see if they would accept a short sale with waiver but no one would ever call her back. I had given her permission to speak on my account but no one would ever call her back. Finally someone called her back and told her that they needed another application for assistance by the end of the day. These applications are very time consuming and i had just submitted one less than 30 days ago. The original one i sent in had everything the needed so i felt like i was getting harassed at that point. I decided to take off work, fill out another application, get all the documents they needed and i sent it back over. I just got the results back and they are offering me a loan modification but there are 2 problems with that. 1. I received it Friday XX/XX/XXXX when i got home from work. It said that the decision was due by XX/XX/XXXX which was that Monday. Monday is a bank holiday so how could i get it back by then. My lawyer would not get a chance to review it and so on. Then the verbage said i needed to have everything in 37 days from the date of the foreclosure which had already passed. I feel like this was a cruel joke and after all i have been through it just broke my spirit. It said short sale and deed in lieu where not applicable because they had offered me something else. I specifically this entire time have been asking for a deed in lieu and if not maybe a short sale with a waiver. I have two friends both in the same situation and their banks had give one a short sale and the other a deed in lieu but here i am getting the run around and getting beat down by a bank that doesn't seem to care about a persons life or situation. 2. I turned in a budget and my financials to the bank. I don't have any money so the solution they offered me would not work since i don't have any money for any mortgage no matter what the modification was. Its like they didn't even read my application or hardship statement. I feel like i am being discriminated against. I paid twice what the property was worth before the market crashed, paid interest for 10 years, paid {$10000.00} cash, and when i couldnt pay the mortgage i hired a realitor and have a good offer on the property. Why is fifth third not willing to help me? How many other people get help. I paid every bill on time my entire life until this. I always tried to do the right thing and here i am about to file bankruptcy. The bank would get less in a foreclose so why wouldn't they accept an offer that we had gotten for the bank especially after understanding my situation. I am broken because of this and just want someone with some compassion and understanding to help me out. My hardship statement will be attached and also the letter i received from the bank giving me no time to respond back to them. I am also thinking about taking this to the media since i know people who received help that were way better off than me. I have done everything asked of me and devastated that i will have to file bankruptcy over this.
Company Response: Closed with explanation

Timely Response

2018-02-15

Orion Twp, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a thirty year ARM ( adjustable rate mortgage ) with Fifth Third Bank. The mortgage was given in XX/XX/XXXX with an annual rate adjustment every XX/XX/XXXX. There have been no problems with this process and I have never missed a payment in 12 years. Last year I received my " change of rate notification '' letter in XX/XX/XXXX. This letter stated that my then current rate of 3.5 % would change according to the agreed upon formula to the new rate of 4.00000 %, effective with the XX/XX/XXXX payment. The monthly payments would now be {$1000.00} until the next scheduled adjustment in XX/XX/XXXX. We have an Auto-Pay arrangement and Fifth Third draws the exact amount from our XXXX XXXX checking account on the XX/XX/XXXX. My monthly paper statements reflected this rate through XX/XX/XXXX. In XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me that the Bank discovered an error on my account and that the interest rate disclosure statement should have been 4,125 %. However, my payment would not change and Fifth Third will pay the difference between the two rates until XX/XX/XXXX. In XX/XX/XXXX I noticed that my credit rating dropped 89 points from XXXX to XXXX due to an alleged " missed '' mortgage payment! The Bank statement send to me in XX/XX/XXXX is a total mystery to me. For the Due date of XX/XX/XXXX alone, there are six entries with various codes, some of which are not disclosed. My attempt to get clarification via phone conversations with four different persons has resulted only in more confusion. The bank has since then acknowledged that they reported the missed payment erroneously to the credit bureau and issued a letter of correction. While the Bank has acknowledged that they made a mistake and my payment would not be effected, they are calculating with the 4.125 % rate and therefore getting different P/I amounts which are effecting our outstanding Balance. My calculations at 4 % interest differ from the Banks calculation by {$71.00} as of XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-02-15

Miami, FL

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
Company Response: Closed with explanation

Timely Response

2018-02-15

Asheville, NC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2018-02-14

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-02-14

Douglas, MI

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: On XX/XX/18 I tried to make a weekly payment using XXXX with my Fifth Third Checking Account. I received an error saying for security reason, we can not make the payment. I called Fifth Third, and they were deceptive saying it's because I changed a phone number on the account. ( I just removed my work number from my account profile ) And because of that, I can not use this account for 30 days. I then requested to speak to a supervisor, and she said the same thing ( more deception ). As my frustrations mounted, she admitted that it's because I'm a payment behind on a credit card that I have with Fifth Third, which is beyond abusive. I can't believe they can do this legally. Especially not being transparent and telling me truth of matter.
Company Response: Closed with explanation

Timely Response

2018-02-14

Tampa, FL

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: there refusing to let me speak to the underwriter i asked for an increase since this is my longest account opened they only raised me to XXXX when they gave my wife XXXX who has no credit and i always pay in full on time and i want my limit to be at lease XXXX
Company Response: Closed with explanation

Timely Response

2018-02-14

Mill Valley, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Fifth Third Bank bought my mortgage from XXXX XXXX last year. The payment is past due after the XXXX of the month. I pay it through BoA by the XXXX every month, as I have with every mortgage in the past. Every month, Fifth Third calls and wants to put me through an extensive interview process to understand why my mortgage is late. The callers are all from another country, do not understand English well and when I try to explain that it is not late and has NEVER been late, they just keep following their process. This is outright harassment. I looked them up on Consumer Affairs site and they get ONE STAR. I have never seen any company get one star, let alone a bank. My question : " what is your office doing to hold this bank accountable in the State of California? ''
Company Response: Closed with monetary relief

Timely Response

2018-02-14

Columbus, OH

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I have a few fraudulent transactions on my 5/3 debit card. The real issue here is that I cant get through to them on the telephone. Im deaf, so I have to go through a relay service to contact them. Ive also tried their TTY number directly. It keeps disconnecting on me so I can never file a proper dispute. That being said, I received a fraud alert from the about a {$110.00} charge. I never made any such charge and checked my account online. There were 2 fraudulent ATM charges as well. I checked my wallet and I didnt have my debit card. Here are the fraudulent transactions ... XX/XX/2018 XXXX Withdrawal for {$800.00} XX/XX/2018. XXXX Withdrawal for {$350.00} XX/XX/2018. Two ATM fees of {$2.00} each Also, pending charge of {$0.00} from XXXX XXXX XXXX XXXX. This is was the merchant on the fraud alert. I did not make any of these charges.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-13

Bueche, LA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX I purchased a property which has a mortgage that was sold to Fifth Third Bank. Since that date I have received numerous letters from Fifth Third Bank regarding an issue with securing flood insurance on the property listed above. In XX/XX/XXXX I purchased a flood policy on the home with the maximum coverages allowed by FEMA. After waiting the 30 day waiting period required by the insurance provider the policy went into effect XX/XX/XXXX. I have since added Fifth Third as a mortgagee on the policy ( not pictured on provided declarations page ) even though I believe this flood policy to be elective on my part. The flood policy is written for a property in flood zone X. However, Fifth Third apparently believes the home is located in flood zone AE and is demanding I provide proof of flood insurance for a property in this flood zone. This is the crux of my issue. The home is not located in flood zone AE, but is correctly located in flood zone X. Since XX/XX/XXXX I have been contacting Fifth Third Bank about this issue using the email contact information provided on my statements. I have also called the numbers listed for the insurance service center department as well as direct numbers to Fifth Third Bank. Each time I have contacted I have provided a Letter Of Map Amendment ( LOMA ) that was provided to me at closing stating from FEMA the home is located in flood zone X. After providing the LOMA, I have been told by both the insurance service center and Fifth Third directly, but verbally, that the issue has been resolved, yet I continue to receive written correspondence from Fifth Third stating otherwise.
Company Response: Closed with explanation

Timely Response

2018-02-13

Problem getting a card or closing an account

Credit card or prepaid card: Gift card

Trouble closing card
Company Response: Closed with non-monetary relief

Timely Response

2018-02-12

Palos Park, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Our Mortgage loan was transferred or sold to Fifth Third Bank XX/XX/XXXX. We have letters from both banks stating that nothing would change except were to make payment. On XX/XX/XXXX we received a request from Fifth Third Bank for proof of flood insurance. We had never been required to have such insurance and we told at our closing on XX/XX/XXXX that we were not in a flood zone. I went in person to a Fifth Third bank with this information.The bank continued to demand we had to have flood insurance. They actually purchased forced flood insurance for us. All the time I kept calling and talking with multiple bank employees. Our realtor also contacted the bank about this matter via E-mail but got no response. I finally reached a bank supervisor who took my information and worked on it for about1 month. We proceeded to purchase our own flood insurance because we could get it cheaper and after faxing, calling, E-mailing and finally sending a registered letter. I received a letter from Fifth Third bank on XX/XX/XXXX stating we no longer needed flood insurance. I am currently in negotiations with the secretary of Fifth Third Bank. I have had months of Frustration They have cost us extra money by raising our house payment by over 100 dollars and charging us for insurance we did not need. I am concerned that this bank doesn, t know what they are doing. If we had not the funds for these demands I don, t know what would have happened! This is our home and If this could happen to us it could happen to anyone!
Company Response: Closed with monetary relief

Timely Response

2018-02-12

Harsens Is, MI

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: Tried to buy 2 tickets to an XXXX game through XXXX. Found a guy, gave me a name, email address and i sent the money via XXXX. He then stopped all communication
Company Response: Closed with explanation

Timely Response

2018-02-11

Euclid, OH

Incorrect information on your report

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

Account information incorrect
Complaint: I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.
Company Response: Closed with explanation

Timely Response

2018-02-10

Syringa, VA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: We have a XXXX XXXX XXXX financed with Fifth Third Bank. We received a letter from Fifth Third Bank on XX/XX/XXXX stating they were notified our auto policy was no longer in force and either we or our agent needed to send evidence of our current insurance. Since we have never had our policy cancelled, we contacted our agent on XX/XX/XXXX and asked them to contact Fifth Third Bank to find out why we received this letter. Our agent contacted Fifth Third Bank on XX/XX/XXXX and spoke with XXXX who requested a copy of our policy be faxed-no email and was advised by Fifth Third Bank that once the policy was received, it would take 2 days to process. On XX/XX/XXXX, we received another letter from Fifth Third Bank, again advising either we or our agent needed to send evidence of our current insurance. This time, we faxed a copy of the policy ourselves to Fifth Third Bank on XX/XX/XXXX. On XX/XX/XXXX when we were online to make our payment, we noticed an item on our loan dated XX/XX/XXXX that simply stated " Finance amount '' for {$2900.00}. We also noticed that our normal payment due was listed as {$820.00} rather than the normal amount due of {$490.00}. We contacted our agent again on XX/XX/XXXX and informed them what we discovered on our account and asked them to contact Fifth Third Bank again to find out what was going on. Our agent contacted Fifth Third Bank that day and was told that Fifth Third Bank was not listed as the " Loss Payee '' on our policy. Our agent advised them they were but agreed to fax another copy of the policy to Fifth Third Bank showing they were indeed listed as the Loss Payee. Our agent was advised that it would take 5-7 business days to credit our account. Our agent followed up with Fifth Third Bank on XX/XX/XXXX and spoke with XXXX who stated they received all the information needed and that it was processed on XX/XX/XXXX and that it would take 5-7 business days before we would see a credit. We have checked our account on a daily basis since then but we have not been credited the {$2900.00} and our account still shows a current payment due of {$820.00}. We have contacted Fifth Third Bank ourselves on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to inquire why our account has yet to be credited and each time we are originally told they don't have any record of receiving a copy of our policy and when we tell them Fifth Third Bank has already admitted in past calls that they have received it, they suddenly see where it has been received and then will give the same answer of " it's being processed ''. During our XX/XX/XXXX conversation with the insurance services department with Fifth Third Bank, they stated they had sent the request to the Fifth Third Bank 's customer service department to credit our account. We requested a conference call with the customer service department. During this conference call, both departments were arguing with each other, the insurance services department saying they sent it to the customer service department and the customer service department saying they never received it and nothing was resolved during this call. As of the date of this complaint, XX/XX/XXXX, our account as yet to be credited. In the meantime, our account is being charged extra interest on the {$2900.00} and now late charges as we continue to only pay the normal payment amount of {$490.00} rather than the requested amount of {$820.00} which will eventually affect our credit. This practice of " Lender Placed Insurance '' should be an illegal practice for these banks or at the very least there should be stricter guidelines placed on the process. XXXX XXXX has been fined for their illegal practices regarding the " Lender Placed Insurance '' and hopefully, Fifth Third Bank will be fined as well.
Company Response: Closed with monetary relief

Timely Response