FIFTH THIRD FINANCIAL CORPORATION

2017-10-28

Daytona Beach, 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 non-monetary relief

Timely Response

2017-10-27

Carver, MA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX AUTO FINANCE
Company Response: Closed with explanation

Timely Response

2017-10-27

Gr, MI

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I fell behind with my mortgage with XXXX XXXX due to my hours being cut. I contacted XXXX XXXXXXXX XXXX who is a non-profit agency in XXXX XXXX, MI that offers free housing counseling. I met with XXXX XXXX who is one their housing counselor. He helped me complete a lost mitigation application & hardest hit fund application. I signed all of the paperwork including XXXX XXXX XXXX third party authorization and XXXX 's third party authorization. XXXX emailed the missing documents and third party authorization to XXXXXXXXXXXX & XXXXXXXXXXXX who was point of contact on XXXX/XXXX/XXXX. He also included me on the email. He got a call from XXXX on XXXX/XXXX/XXXX asking him for proof that I had a reduction in hours. She wanted paystubs from XXXX & XXXX. The hardship affidavit stated that no proof was required if underemployment was my hardship. I was n't sure if I could get the paystubs they needed on time because XXXX needed those documents by the end of that day. XXXX told XXXX that he could send her my XXXX & XXXX tax returns. There was a reduction from XXXX to XXXX. The paystubs I included showed that I was working less than 40 hours each week. I was moved to a different plant and I am expected to work at least 50 hours each week. XXXX submitted a letter from my employer explaining my new hours along with my tax returns. XXXX called XXXX to see if we were able to get the paystubs and he told that we were n't able to. She asked to email her the tax returns & letter to XXXXXXXXXXXX & XXXXXXXXXXXX on XXXX/XXXX/XXXX. We were able to get paystubs from XXXX to XXXX the next day XXXX/XXXX/XXXX. XXXX emailed those to XXXXXXXXXXXX & XXXXXXXXXXXX. I have attached copies of all the emails sent by XXXX to XXXX. XXXX explained to me that I needed to give them a few days to review my application. I sent XXXX an email on XXXX/XXXX/XXXX to see if he had any updates. He told me that XXXX XXXX XXXX ( Hardest Hit Fund ) was still reviewing my application. However, he could not get any updates from XXXX. XXXX told XXXX that he was n't authorized to get any information on my account on XXXX/XXXX/XXXX. They stated that they could not find a third party authorization on my account. He told the representatives that he had sent the third party authorization by email and that he had gotten 2 calls from XXXX regarding my account on XXXX/XXXX/XXXX. He asked to be transferred to XXXX and the representative told XXXX that her department was already closed. He contacted XXXX again on XXXX/XXXX/XXXX and both representatives told him that there was no third party authorization. He asked to be transferred to XXXX and they told him that there were some issues when dialing her extension. They provided him with her phone XXXX ext. XXXX and told him that they would send an email to her asking to call him back. XXXX did not get a call so he called her at XXXX. She told XXXX that she did not know who he was and that she never talked to him. XXXX gave her exact dates and times of his conversation and emails from XXXX/XXXX/XXXX. She had no notes of the contact she made with him. XXXX explained to her over and over again that he had already talked to her and that he was the one that submitted my documents. She was able to find the third party authorization and told XXXX that it was n't valid because his name was not written by hand but instead if was typed. XXXX & I both signed our names by hand. He typed all the information needed to make sure everything was legible. It looks like XXXX is giving us the run around. Why would 4 different representatives state that no third party authorization is on file and why would XXXX deny the fact she has already made contact with XXXX twice by phone. The first time she called XXXX she stated that he was calling him because he was the authorized third party on my account. I am 5 days away from losing my house. We have turned in everything they have asked for in a timely manner.
Company Response: Closed with explanation

Timely Response

2017-10-27

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-10-26

Hinsdale, IL

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: This is about an INSTALLMENT LOAN, Maturity loan for the amount of {$48000.00} approx. My loan was dated from the year XX/XX/XXXX. I have been paying {$410.00} totaling 12 years X 12 months = 144 months, 144 X $ XXXX= {$59000.00} up until XX/XX/XXXX. However, my balance for INSTALLMENT LOAN still shows {$38000.00} approx. I received a call from 5/3 bank XXXX XXXX XX/XX/XXXX, stating if you will not pay your outstanding amount your house will go for FORECLOSURE, we will take legal action against you. When I asked them I have already paid {$59000.00}, how come the balance of loan amount is reduce by {$10000.00} and interest on that loan amount is 9.46 % please let me know what is going on? On XX/XX/XXXX I went to the branch office near XXXX and XXXX in XXXX, ILLINOIS XXXX at XXXX XXXX. I asked the banker XXXX XXXX for contract and calculation for my loan amount, she refused to give me the copy of loan contract she said is not printable, XXXX XXXX showed me on computer screen that {$48000.00} LOAN AMOUNT+ {$76000.00} INTEREST in 25 years, They did not answer me and have harassed me to see foreclosure. I am taxi driver in XXXX, Illinois. I humbly request you to look into my matter. I have never been behind in any payment.
Company Response: Closed with explanation

Timely Response

2017-10-26

Sylvania Township, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-10-24

Sanders, KY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. I wasnt able to catch the name of the company however the contact phone number is XXXX
Company Response: Closed with explanation

Timely Response

2017-10-24

OH

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I was refused access to my online account because I refused to give their automated system a telephone number. They wish to contact me by telephone when they detect " unusual or fraudulent activity ''. I do not want them calling me or to monitor my account. I check my account everyday. If there is anything unusual or fraudulent, I will see it and report it. The problem is that when you see a problem ( usually in the pending section ), they will not act on the problem or allow a complaint until the transaction actually posts to the account. There has been more than XXXX occasion where foreign transactions that I initiated were stopped ; preventing me from making purchases for items I wanted. So, I do not want them to be making arbitrary decisions about banking transactions that they are not qualified to be making. Even the security questions they asked for me to answer did not apply to me or I simply could not answer. The XXXX question I could have answered ( What is your mother 's middle name? ), the system would not accept it. My mother did not have a middle name but an initial ; A. Their system would not accept it. Because of this, I am not able to access my account to be sure I am not going to be overdrawn ; which they will want to charge me for.
Company Response: Closed with explanation

Timely Response

2017-10-24

Homewood, IL

Closing an account

Checking or savings account: Other banking product or service

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

Timely Response

2017-10-24

Chicago, IL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with non-monetary relief

Timely Response

2017-10-23

Chicago, IL

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 have several inquiries that do not belong on my credit report such as fifth third bank, XXXX XXXX and several more.
Company Response: Closed with explanation

Timely Response

2017-10-22

Itasca, IL

Problem when making payments

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

Problem during payment process
Complaint: I have had nothing but problems when trying to make a payment with Fifth Third Bank. I 've had to request that my online account be reset multiple times due to problems with their website. I 've tried calling but the system wo n't allow me to make automatic payments over the phone so I have to wait on hold for a ridiculous amount of time, and often times I 've been disconnected and have to start the process all over again. All of these technical issues have resulted in some late payments, numerous late fees, and now my credit report has been negatively impacted. The last customer service person that I spoke with was also informed about my troubles when accessing the account. I tried making my payment on the due date and could n't access the account, she then ADMITTED to me that the website has been having problems. I asked her to remove the late fee that I was charged but she refused, even after admitting that the website has been malfunctioning. Because of the late payment the company has reported to the credit bureaus that my account as being paid late, and the result has been a drop in my XXXX XXXX. I 've tried working with the company but they did n't seem to really care about me as a customer or the issues that I was having. I will never do business with this company again. I plan to pay the card off and close the account. They have HORRIBLE service. I tried finding contact info for a department to file a complaint but had no luck.
Company Response: Closed with monetary relief

Timely Response

2017-10-20

Oxford, GA

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
Complaint: I opened a new credit card in XX/XX/XXXXand the criteria of the card is spend {$1500.00} in the 1st 3 months and we will give you {$350.00} within 6-8 weeks. I met the criteria XX/XX/XXXXand today marks the 8 week mark. When i reached out today through a phone call i was transferred 3 times then put on hold to be hung up on. i called at XXXX XXXX and they sent me an email at XXXX to tell me i met the criteria on XX/XX/XXXX 's billing statement. The email i received from them with instructions for the bonus says nothing about meeting the criteria at the end of a billing statement. They are telling me i have to wait another 6-8 weeks and this information was not relayed to me in the beginning or i would n't be making such a big deal of it. The customer service i 've experienced since i reached out to them XX/XX/XXXX has been horrible. I 've banked with them for years and i think i have found the reason why i should n't have opened my credit card with them. I will be closing this card once i am out of the clear with payments.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-19

Columbus, OH

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2017-10-19

Dayton, OH

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I was instructed to submit my credit card for a {$30.00} deposit charge for my rental car. The car accident happened XXXX/XXXX/XXXX. I was not notified until after XXXX that they were unable to Locate her insurance XXXX and I was subsequently charged {$3300.00} for the rental car while they conducted their investigation. XXXX XXXX refuses to refund my funds due to XXXX error during the investigation. I received a letter from XXXX XXXX advising me if I had documentation that XXXX was going to pay for the rental car, I will be refunded my money that was unauthorized and taken out of my account. I submitted this evidence to XXXX XXXX by fax.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-18

Marietta, GA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-10-18

Keyport, WA

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: This is a resubmittal of additional information related to Complaint # XXXX. Here is the original text of that complaint : I have a credit card issued by XXXX. This card was hacked in XX/XX/XXXX/XX/XX/XXXX. When I looked at my XX/XX/XXXX statement I saw a charge for {$110.00} that I didnt recognize. I called XXXX in early XXXX and said it looked like another fraudulent charge, similar to the several charges from the hack. XXXX issued a credit and filed a chargeback to the other company involved, Fifth Third Bank. However, a few days later I realized that the charge was in fact legitimate and contacted XXXX. They did the required paperwork to release the funds to Fifth Third Bank. This was in XX/XX/XXXX. I thought the matter was completely settled until I was contacted by the merchant ( XXXX XXXX ), as well as the merchants credit card servicing company ( XXXX ) in early XX/XX/XXXX. Both entities told me that the funds were never released by Fifth Third, and that I needed to pay XXXX XXXX in cash. I apologized for the delay, but explained that XXXX had released the funds in XX/XX/XXXX. Since then Ive been in frequent contact with XXXX, XXXX, and XXXX XXXX. XXXX and XXXX both told me I need to contact Fifth Third Bank to get my money back. I tried both emailing and calling Fifth Third Bank - horrible experience with zero results. XXXX told me today that I may have to take legal action to get my money. Based on the many negative reviews on multiple websites, this is a company that should no longer be in business, and perhaps a large class action lawsuit would be just the ticket. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subsequent to filing the original claim, and seeing that Fifth Third Bank has denied TWICE that this is their problem, I am providing additional information and documentation. 1. Screenshot of a secure email from XXXX indicating the funds were released to Fifth Third Bank on XX/XX/XXXX. 2. Screenshots of emails from XXXX also indicating that they had completed the paperwork to have the funds released back to me -- and to contact Fifth Third Bank.
Company Response: Closed with explanation

Timely Response

2017-10-18

Topeka, KS

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

2017-10-18

Stantonville, TN

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-17

Lisle, IL

Managing an account

Checking or savings account: Savings account

Fee problem
Company Response: Closed with explanation

Timely Response

2017-10-17

Clayton, MO

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: My wife and I obtained a vehicle loan through Fifth Third Bank in 2016 for the purchase of a XXXX XXXX XXXX. In XXXX 2016, I set up auto-pay with Fifth Third so that our monthly payments would automatically be paid. This was set up directly with Fifth Third, not through our own bank. Since that time, I have had to set up Auto Pay three more times, but they keep missing payments, or applying payments late through their own system. To rectify the situation each time, I have to call Customer Service, who has told me every time that I am enrolled in Auto-Pay and they do n't know what the problem is ; then I have to call Auto-Pay, who also says they do n't know what the problem is. At this point, I have spent at least three hours on hold with Fifth Third trying to get late fees and penalties removed from our account ( I am actually on hold with them right now ). They have stated several times that I am a month behind, so I have made manual payments over the phone.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-16

Calumet Park, IL

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with non-monetary relief

Timely Response

2017-10-16

Hamilton, OH

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2017-10-16

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with monetary relief

Timely Response

2017-10-15

OH

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Today,XX/XX/XXXX Fifth Third Bank repeated a process for I recently file a complaint with CFPB. Approximately XXXX XXXX today I noticed a gentleman going around to the side of my home as if he were looking for something. As I came to the door and he was coming up to my door he was asking my neighbors if anyone lived at my address. As I meet him at the door the gentleman said that he was here because he had an order to secure my home but he did n't know that my home was occupied so he would leave as happened before for which I filed the first complaint in XX/XX/XXXX case # XXXX. The gentleman although not the same person as before stated that it was a good thing that I was home because he had orders to break into my home and change the locks just as before. I asked the gentleman to hold on for just a moment and if I could take a picture of his order. The order is attachment in this complaint. The order came from Fifth Third Bank which again involved XXXX as before, this time along with the gentleman stating that he was from XXXX. Whomever is sending out these orders are well aware that they are asking these companies to break into people 's homes and it is not because they again as before have taken any real effort to know that a property is abandoned, just behind in mortgage. What Fifth Third Bank is doing is engaging these companies to perform illegal collection tactics/harassment and it is not only wrong but dangerous to break into homes not assuring that they have been abandoned but simple behind in mortgage. From what I have read Fifth Third Bank is among several Banks using the same tactics around the country, State to State. Last time I was told by the bank that they need not make any contact with me when I asked why someone could not have simply called me on the phone or come to my home other than to break in when I am at home most of the time. I have never experienced anyone around inspecting my home, yet Fifth Third Bank insist that the home is inspected when even one month mortgage payment is behind. I am then charged a {$12.00} monthly fee each month for which fees now amount to more than the {$220.00} that is all that is currently owed to Fifth Third Bank in mortgage. In fact, my grace period date is the 15th of each month and I have someone at my door today to change my locks, XX/XX/XXXX? So I was n't yet even actually late this month. I missed a payment in XXXX of this year for which I have been paying from behind the last few months. I had planned to make that last payment before the end of this month to get back on track but again have someone at my door today to change my locks before I could. It is a simple matter with Fifth Third Bank that to go behind one payment that is not caught up within 3 months of missing that payment they are allowed to break in the home and change the locks. Not that the home was inspected and found to be actually abandoned, but because three months went by without catching up a payment. Actually, that is just the legal excuse for which they rely on the clause in their contracts that they can secure the home as to their interest after three months. Which is actually illegal without due diligence of assuring that a home has been abandoned. So Fifth Third Bank aggressively exercises their right to the clause as a collection tactic to harass and scare people into paying what 's owed and not falling behind because you can come home and be locked out as well as your home processions taken from you. And it 's done under falsification that the home has been abandoned. This is one of the worst things that I have ever seen and that you can do to people that are struggling to make it. Somebody actually needs to be jailed for this. There has been no foreclosure proceedings whatsoever on my home yet I been through this twice now. Lucky that I was at home so my home was not broken into and I locked out of for {$220.00}. These actions have only become a shortcut and means of avoiding timely foreclosures for which there are proper laws for and these people of banks and companies need to start going to jail for least violating property rights. Ohio law section 1303.31 makes clear that factors must be met and true by clear and convincing evidence of the following : Utilities have been disconnected ; ( No Effort by Fifth Third ), Doors are smashed in on the property ; ( Non such at the property ), window panes broken and unpaired ; ( Non such at the property ) ; however, you will find in the order submitted for evidence first reads ; " broken glass removed from interior and exterior areas and replaced. '' ( Non such at this property ), the XXXX workers looking for them before coming to my door. So now there is falsification of evidence within this order when there is no such evidence. The inspectors are fraud as well and rarely get out of their car if they come at all. These actions are being taken against people simply trying to live, struggling to make it who have fallen behind. These banks have no shame, but regardless of the money they may have to fight these issues in order to shortcut people 's rights and keep making money, there are those that will give everything that they have to fight it. That is why I am reporting to these agencies such as CFPB who are vital in the fight and should not sit by willing to allow these injustices but continue to make these banks and companies answer the hard questions of what they are actually doing. As far as the banks are concerned they continue to win when they lose because they still get to keep the majority of what they take so ( so what they figure ).
Company Response: Closed with monetary relief

Timely Response