FIFTH THIRD FINANCIAL CORPORATION

2017-09-22

Dayton, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Mortgage company, XXXX XXXX, issues a late payment notice on the day that payment was made through auto biller payer program through the mortgage company. The mortgage company,XXXX XXXX, issues a statement earlier is the month stating to disregard the bill because the payment was automated. The letter is signed by the vice president of XXXX XXXX. XXXX XXXX 's response is that it is automated to issue a late statement notice the day payment is due, they control the withdraw date because it is a auto bill payed per the mortgage terms.
Company Response: Closed with explanation

Timely Response

2017-09-21

Cleveland, OH

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2017-09-21

Palos Park, IL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: In XX/XX/XXXX we realized our debit cards were being used fraudulently and our checking account went negative. No one from bank contacted us. We contacted them and all charges were credited. WELL XXXX I was out of town for a month and the same thing happened and then our credit card as which was used fraduently and paid thru our checking account had this happen again, I contacted them and they opened up a fraud claim that was approved, However I called and they stated they had no idea about this fraud claim. I was at local branch and the teller remembers me calling them ( FRAUD DEPT ) to make the claim from the branch. Well several months later nothing still has been done. I was credited for a couple of the charges but not everything. I also thought I closed the fraudulent account but it remained open and took us into the negative as well as the new account as well????? HELP XX/XX/XXXX fraud claim opened XX/XX/XXXX CALLED NO FRAUD CLAIM FOUND XXXX opened another fraud claim and received a small credit roughly 240.00 . I am still missing credit of ove 3000.00 $
Company Response: Closed with explanation

Timely Response

2017-09-20

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: An employee at Fifth Third Bank befriended my father ( bank address : XXXX XXXX XXXX, XXXX, FL XXXX. I am not sure of her title or last name. He took her to lunch, had her family over for dinner at his home with me present and went to dinner at her house. Her name is XXXX ( last name unknown ). The bank should have record of such employee with that first name at that particular branch and time. He dealt with her when he had small erroneous charges or two on his bank credit card. A new card was issued and XXXX, the bank employee, took the old card and said she would shred it Shortly thereafter she left the bank saying she was going into real estate at our DINN TABLE we now have recently found out she had been fired - do not know the reason. {$5000.00} some odd dollars was charged and the bank demanded the payment even though My father insisted he did by no means transact any such charge. He called the customer service department and they researched what the problem may be and found out the he had two active credit cards in his name my father denied he had any other credit card only the newly issued card - the customer service rep told him it would take three months for the investigation. There was no other communication from the bank of any resolve but my father trusted in the bank a took no action. My father after receiving another collection notice spoke to a XXXX ( last name unknown ) at the branch on his suspicion of who may be responsible for the fraudulent charge and named XXXX even not knowing it was his old card being used that was supposed to be shredded and the customer service department did not even mention that. Just that there were two credit cards in his name. XXXX Told my father not to say anything as it would be her word against his - WHAT? Neither investigated? Again WHAT? Again no action at was taken so my father took it that everything had been settled. It turns out that the bank did not notify the credit card company to cancel the old card and the matter IS still unresolved. The fired bank employee ( criminal ) - XXXX - came to my father 's house and said that at the time of exchange of the old card to the new card she had given his old card to her assistant to shred - WELL according to XXXX her Assistant did not shred it and she was aware of that but XXXX was not responsible for the fraudulent charge in the amount of around {$5000.00} or so but she did admit that she changed the address on the credit card. To who 's address - who knows - I will find out on XX/XX/XXXX. HOW CAN A BANK LET THAT HAPPEN WITHOUT PROPER IDENTIFICATION? XXXX did not report this as she claimed this was a single mother with XXXX children in need of money. XXXX then told my father not to report the fraudulent charge as THE GIRL ( the " GIRL ASSISANT? ) would pay off the credit card and just let it be and when the card was paid off all would be good. My father did not fall for that. However, there was an {$800.00} payment made towards the debt. After my father received another pay now bill he contacted XXXX who he had previously had spoken to about his suspicion on who may behind the CRIME ( who advised him to say nothing ). He went to XXXX and told him XXXX confessed to the CRIME and finally almost after a year XXXX opened an investigation? after almost a year? My father was also told the case had been closed. CLOSED? What on earth was happening here? And my father still trusted XXXX. I contacted Fifth Third Bank Credit Card Fraud department and they had never received the notification of any fraudulent actions My father TOLD THE BANK TIME AND TIME AGAIN THAT HE DID NOT CHARGE THAT AMOUNT TO A CREDIT CARD he did not possess and even though Fifth Third Bank found that he had two credit cards - THE OLD ( SUPPOSEDLY SHREDED CARD ) the NEW credit card - my father advised that the charge was not initiated by him. PERIOD. NOTHING WAS DONE when he was told it would take three months to investigate. INVESTIGATE? MY FATHER TOLD HIM THAT IT WAS PROBABLY THE OLD CARD THAT WAS NOT SHREDED. DOES NOT THE BANK HAVE A CLUE TO THIS INFORMATION? OH, OKAY WE 'LL LOOK INTO IT. I called the customer service number on the back of my fathe'rs card and was advised to fax A Power of Attorney naming me as POA for my father on XX/XX/XXXX at XXXX on the advice of an agent at Fifth Third bank by the name of XXXX. I sent the POA with an URGENT cover page message about the CRIME. Why I did not speak directly with the Fraud department leaves me clueless and why she did not direct me to the FRAUD department is beyond me. I kick myself a hundred times for not catching that. I then called the Fraud department and XXXX who is a Supervisor said there was nothing they could do and it would take five days to validate the POA if they in fact had received it and advised I go to the branch. What? How can they validate such a document when there is no social security numbers listed to validate and only the named designated POA ( s ) and my father 's signature that had been witnessed and was deemed valid by a Notary. And then tell me to go the corrupt branch that now has told him that the case had been closed? CLOSED???????????? I tried my best to capture the negligence of the Fifth Third Bank in this writing but now I will tomorrow ( XX/XX/XXXX ) go to the branch AGAINST MY FATHER 'S WISHES, as he feels they are helping him and get to the bottom of this criminal action not only by the employee XXXX but the branch itself Fifth Third bank. I will call the Sheriff that came to see my father and let her know my intentions and to please be there. If not her then I will request another Sheriff accompany me. My father is XXXX years old and in the XXXX XXXX XXXX XXXX. He has still good sense but can not sometimes deal with intense situations such as this and will leave it in the hands of people who say they are going to help him ( the Bank ). He is too trusting. I feel that there is more than the one person at the branch that may be involved - mainly XXXX and possibly others. Please help me out. As of the writing the old credit card may still active ... .... My father just denies he needs assistant as feels that the bank will handle. After a YEAR look what has happened - NOTHING, NOTHING. XXXX XXXX XXXX POA for XXXX XXXX XXXX Contact information : Cell : XXXX call or text/ email addresses XXXXXXXXXXXX or XXXXXXXXXXXX. Please please please do something. THIS PERSON MAY HAVE TAKEN ADVANTAGE OF OTHER SENIOR CITIZENS.
Company Response: Closed with monetary relief

Timely Response

2017-09-20

Thompsons Station, TN

Closing on a mortgage

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

Company Response: Closed with explanation

Timely Response

2017-09-20

Oxford, GA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with monetary relief

Timely Response

2017-09-20

Houston, TX

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem while selling or giving up the vehicle
Company Response: Closed with explanation

Timely Response

2017-09-19

Anaheim, CA

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: AroundXX/XX/XXXX I asked Fifth Third Bank to update my loan balance to the ( 3 ) credit reporting bureaus over the phone what I got was about 10 minutes of unpleasant, agitating and discommoding conversation which led me to ask for a supervisor who also had a similar unsettling attitude, what resulted in the request for updated balance was on around XX/XX/XXXX the bank had now retroactively reported 4 missed payments ( 1 ) going back to XX/XX/XXXX ( 18 months later ) and the other ( 3 ) payments going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 11, 12 and 13 months retroactively ). I filed numerous disputes with the credit reporting bureaus and Fifth Third Bank directly, I received about a half dozen or so responses from Fifth Third Bank but they never answered why they went back and retroactively reported the ( 4 ) missed payments after reporting the loan with no missed payments since its original loan inception of XX/XX/XXXX to mid XX/XX/XXXX they also to this date acknowledge they never notified me of the negative reporting to the credit agencies before or after the negative reporting. Their investigation and written responses were also not accurate and can be proven by fact, I have asked them to delete the negative reporting and informed them of the violations under FCRA of their duties as a creditor/furnisher of negative credit reporting and of the violations of my rights as a consumer.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-19

Louisville, KY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-09-18

Toledo, OH

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-09-17

Beaver Creek, OH

Struggling to pay mortgage

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2017-09-17

Dry Fork, KY

Fraud or scam

Money transfer, virtual currency, or money service: International money transfer

Company Response: Closed with explanation

Timely Response

2017-09-15

Detroit, MI

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with non-monetary relief

Timely Response

2017-09-14

Ormond Beach, FL

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2017-09-14

Cartersville, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2017-09-14

Nashville, TN

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

2017-09-13

Jeffersonville, OH

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-13

Royal Oak, MI

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Late or other fees
Company Response: Closed with monetary relief

Timely Response

2017-09-13

Dayton, OH

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2017-09-12

Chicago, IL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-09-12

MA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On Saturday, XX/XX/XXXX, I endorsed three checks for deposit into mmy checking account at Fifth Third bank, where I have been a customer for approximately 15 years. I have moved all over the country and have always maintained that banking account. I placed those checks in a special devlivery envelope for overnight delivery to my bank in Michigan as that bank does not have service in MA. One of the checks was not dated. I failed to notice this but the bank teller did not. They did not deposit that check in the amount of {$1000.00} and instead, the teller scribbled a separate deposit stub ( which was completely illegible ) and mailed the {$1000.00} check back to me. By regular mail. The teller said she attempted to call me twice about the date of the check. That is not true as my cell phone, the only phone I have, did not record any missed calls. The bank mailed that check back to me, knowing that a scheduled withdrawal was about to occur, which would reduce my bank balance to close to XXXX. They mailed it back using the slowest possible mailing method, so that other scheduled withdrawals would bounce and so they could charge me $ XXXX/per bounced check. When I called to complain, I was escalated up the chain of command until I spoke to someone named XXXX, whom I told I did not think I should be charged overdraft fees when that happened, as it would be their fault, not mine, that my account would be overdrawn. XXXX then proceeded to lecture me on being an irresponsible customer, and that I should not be scheduling withdrawals for money that was not yet in the account, and that this was therefore my problem, not the bank 's problem. That legally it is MY responsibility to see to it that money is in the bank before I write any checks on that money, failing to note the irony of his statement. I had done what was necessary to have money in the account and his bank was seeing to it that it was not placed into the account, with an incentive for themselves as it allowed them to make quite a lot of money in overdraft fees. There is responsibility for me, but not for them apparently I asked whom else I could complain to, and he said he was as high as my complaint would go, because his supervisor did not have " face-time '' ( i.e. contact with the peasantry ) in his job description. I find this utterly appallng. XXXX XXXX, the CEO of Fifth Third bank just experienced a multimillion dollar raise in pay, no doubt composed of an awful lot of overdraft fees engineered by his bank. So now, according to XXXX, I have to wait 7-10 business days for the check to be returned to me, and must then date the check and redeposit the check ( by express mail if I wish to minimize overdraft charges ) and Fifth Third bank will profit from the entire procedure by an unknown number of dollars in these over-draft fees. I believe this is highly unethical and clearly not customer service oriented. Their attitude in speaking to their customers is condescending and rude. They ought to assume this overdraft responsibility, not me.
Company Response: Closed with monetary relief

Timely Response

2017-09-12

Miami, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: I made a previous claim with this company with Consumer Financial, and the company responded and sent a letter in the mail. The mail stated that they had to close my account to protect them. Here 's the problem. Before my account was closed, they blocked my access from logging into my account. I was still getting email notification, and was given a number to contact XXXX XXXX, but she never called back when a message was left. Recently I saw something in the mail that I owe them move because my account is overdraft, and if I do n't pay it by a certain time it will be sent to a collection agency. WHY CHARGE ME WITH AN OVERDRAFT AND FEES ASSOCIATED WHEN I COULD N'T LOGIN TO THE ACCOUNT BECAUSE I WAS BLOCKED FROM THE ACCOUNT, as per Fraud department. It would have been easier if I had access to my account, put money or went to the bank, rather than reporting to the consumer agencies that I overdraft my account, which had more than {$2000.00} in it when I had access to the account. This is fishy, and I will look for an attorney. This is cruelty.
Company Response: Closed with monetary relief

Timely Response

2017-09-11

Pittsburgh, PA

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-09-09

Windermere, FL

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-09-08

KY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I missed the 3rd payment of a 3mth trial with XXXX XXXX through Fifth Third Bank. I found out that my ex-fiance has been talking to the bank without my written consent. I was unaware anything was wrong. He had been taking the money for the payments and buying drugs with the money.
Company Response: Closed with explanation

Timely Response