FIFTH THIRD FINANCIAL CORPORATION

2018-02-09

OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am currently in foreclosure mediation. Please take the time to read my attached PDF file. THANK YOU!
Company Response: Closed with explanation

Timely Response

2018-02-09

Mount Olive, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-02-07

Cincinnati, OH

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-02-06

Mem, TN

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Company Response: Closed with monetary relief

Timely Response

2018-02-06

Franklin, TN

Fees or interest

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

Problem with fees
Complaint: I was charged excessive fees for credit card transactions. A California-based website, XXXX, processes transactions from their XXXX location, not known to me at the time. This resulted in international transaction fees. Also, the merchant recently changed their merchant category code ( MCC ), which resulted in cash advance fees. This totals 7 % for the same transaction. There were five from XXXX and one from XXXX. These were all online, not at an ATM or bank where Ill expect cash advance fees. The credit card agreement does not make it 100 % clear under the fees section that multiple fees are possible for the same transaction. It seems to suggest that international transaction fees are only for purchases and not cash advances ( since that has its own fee ).
Company Response: Closed with explanation

Timely Response

2018-02-05

Epworth Heights, OH

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

2018-02-03

Eagle, ID

Closing an account

Checking or savings account: Checking account

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

Timely Response

2018-02-02

Cocoa, FL

Trouble during payment process

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2018-02-02

Battle Creek, MI

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: supplemental complaint original complaint no. XXXX the teller and bank manager at XXXX XXXX XXXX. XXXX MI. XXXX acknowledge that the funds for my XX/XX/XXXX credit card payment where misappropriated and all applied to one account leaving the other card unpaid. so i was shocked and surprised to receive a call while working from the collection department aggressively telling me my accounts are delinquent after telling the collection agent to recheck there records again and going around in circles i hung up the phone later that night i discovered that where instantly cut in half someone manually went into the system and changed my credit limits i believe this collection department worker out of retaliation for me hanging up on me decided to destroy my credit profile my last credit review was XX/XX/XXXX and there has been no late or delinquent payments, so this immediate decrease was an unjustified act of terror i have 2 business accounts with this bank and two personal credit cards i believe companies are to appreciate there customers and not mistreat or abuse them this act of terror has not yet been reversed and my credit score has dropped at least 80 points
Company Response: Closed with explanation

Timely Response

2018-02-02

Saint Petersburg, FL

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Closed with explanation

Timely Response

2018-02-02

NC

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I have sent a formal complaint to the Office of the President at Fifth Third and have attach this complaint to detail the exact events. Fifth Third did call and said they would respond by XX/XX/XXXX as requested in my complaint, but I have learned Fifth Third makes promises quite often that they don't keep. To summarize my complaint on requesting a loan on a vacation home. I was approved for this loan on the 2nd wee k of XX/XX/XXXX. I put in an offer on the third week of XX/XX/XXXX and my loan manager at Fifth Third started the process. I submitted all documents within 24 hours of informing them of the accepted offer. After this point it was one thing after another as you can see in my complaint to Fifth Third. There lack of knowledge for handling a condo, HOA, and vacation home created one delay after another. Around the second week of XX/XX/XXXX I called my account manager and asked him to escalate the issues with management because dealing with the processor and underwriter were impossible. At this point I think I was flagged to fail because things only increasingly went downhill. Two weeks before my close they claimed the unit was considered a condotel. Once i offered supporting information from HOA and building owner that debunks the notation this building/unit operates as a condotel. Then it was some open litigation which again I was able to get the HOA legal department to demonstrate this was normal slip and fall and fall covered under the building liability insurance. This is when I was moved over to the VP in the mortgage department. She felt she could build a case for me and get this moved as a exception and approved. The morning of my close I was told legal and the bank president denied my request. I requested a simple document to present to the seller in hopes to extend my contract stating they refused me based on the " condotel '' and litigation claim, and they stated they would but never did. This decision and the length of time to make this decision has cost me financially because of prearranged travel, purchase of materials, and now needing a hotel at location in an effort to find a solution. To top this all off they promised to respond to me by XX/XX/XXXX but never did.
Company Response: Closed with explanation

Timely Response

2018-02-01

Rockwell, NC

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: Hello, I use a fifth third bank account. I use the autopay through my bank ; where every month I go in and set the date of when I would like a check to be sent out automatically through the online portal. I had set that the XXXX my landlord would get a check through the online portal for {$370.00}. I canceled that check-called my bank and explained why I was canceling that check because my landlord turned off my water without telling me as I was living in the house. I had no water for a week- causing me to move out and find a new home in a day. My bank told me onXX/XX/XXXX when I went to cancel the check that I had more than enough time- that the bank was pulling the check from my account and not to worry about it and that my landlord would not get the check. XX/XX/XXXX- the check posted and now my bank will not help me at all causing my account to bounce.
Company Response: Closed with monetary relief

Timely Response

2018-01-31

Northbrook, IL

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-01-31

Toledo, OH

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2018-01-30

FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I received a message to call them to confirm my next payment.
Company Response: Closed with explanation

Timely Response

2018-01-30

Chicago, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-01-30

Cleveland, OH

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with non-monetary relief

Timely Response

2018-01-30

Mecosta, MI

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation

Timely Response

2018-01-30

Palos Park, IL

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I XXXX XXXX notice that my account balance wasn't correct so I contacted Fifth Third Bank concerning this matter I spoke with XXXX I then notice that there were a fraudulent transaction made that I didn't authorized someone had stole my information from my account and my debit card they purchase XXXX dollars for XXXX XXXX blues tickets. I never receive any service nor goods from this vendor and I never attended any events that XXXX XXXX I don't listen to blues music I had my information stolen and my credit card debit card was used in XXXX I were in the state of Illinois and went to the Bank to show my where about. I'm a victim of fraud and this person had been using my identity and bank information I contacted XXXX XXXX and they refuse to give me my money back. I am not responsible to pay for someone else bills or entertainment and I received no goods nor service. Fifth third bank can't make me repay this money back. I didn't authorized nor give no one permission to use my account or bank card.My account and card has been hacked. Fifth Third needs to close the entire account and card and reopen a new one my money should be safe and secure at all times its FDIC.
Company Response: Closed with explanation

Timely Response

2018-01-29

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-01-29

Oxford, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX, I made two regular mortgage payments which would pay my XXXX and XX/XX/XXXX payments. This payments were incorrectly posted as a principal reduction. I called to have this reversed and reapplied. When this was completed, the bank failed to effective date the transaction of XX/XX/XXXX. Therefore, not only is my interest accrual wrong but my tax statements as well. I have called three times to have this corrected to no avail. My current tax statements show I have paid interest in XX/XX/XXXXwhen in fact, I have not paid any principal or interest in XXXX. When I spoke with a woman named XXXX today, she advised me that there was nothing to correct because I paid the interest in XX/XX/XXXXand they can only report interest for a 12 month period. This is simply not true as it was paid in XXXX. I need these payments corrected with the proper posting date ; we all know interest accrues daily on mortgages so this is deceptive to the consumer. I also need my tax statements corrected.
Company Response: Closed with explanation

Timely Response

2018-01-29

Mc Kinney, TX

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Closed with non-monetary relief

Timely Response

2018-01-29

Cincinnati, OH

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with monetary relief

Timely Response

2018-01-28

Maumelle, AR

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
Company Response: Closed with explanation

Timely Response

2018-01-27

Jacksonville, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: less than a year ago, needed credit card advance that my bank couldnt accommodate due to a chip card. They reccommended XXXX up the street. Went in, told you have to be a customer. Opened an account with {$100.00} and did my advance. Specifically asked about fees, told to my face there was no fee on this account. Whether put in wrong account or told incorrect information I had {$11.00} a month fee taken out. Forgot about account really, opened a letter dated XX/XX/2018 saying I need to address this or be reported to credit bureau. The entire account was drawn down by a monthly fee, then overdrafted. Now they want to report to a credit bureau? Call a branch I get a run around that really frustrates. A fee is generated out of air, I want my original deposit back and rid myself of XXXX altogether. By the way, being a customer by opening an account for {$100.00} when I advanced {$2000.00} never made sense, I mentioned this up front.
Company Response: Closed with monetary relief

Timely Response